Protect Your Employees and Your Business
At Galloway Insurance, we understand that your employees are the heart of your business.
Accidents happen, even in the safest workplaces. That’s why we help employers across Marble Falls, Burnet, Horseshoe Bay, and Central Texas secure affordable and effective workers’ compensation insurance to protect both their teams and their companies.
What is Workers’ Compensation Insurance?
Workers’ compensation insurance provides important protections by covering:
- Medical Expenses – Covers hospital bills, surgery costs, physical therapy, and ongoing medical treatments related to a workplace injury.
- Lost Wages – Provides partial income replacement for employees who can’t work due to their injury or illness.
- Rehabilitation Services – Covers vocational rehabilitation if an injured worker needs retraining.
- Death Benefits – Offers financial support to dependents if a work-related injury results in death.
- Employer Liability Protection – Helps protect your business if an injured employee files a lawsuit outside of standard workers’ comp claims.
Is Workers’ Compensation Insurance Required in Texas?
Texas is unique because it does not mandate private employers to carry workers’ compensation insurance.
However, employers who don’t carry it are exposed to greater risks, including:
- Being sued by injured employees
- Paying out-of-pocket for medical bills and lost wages
- Potentially higher legal costs without workers’ comp protections
Many contracts, vendors, and clients require proof of coverage before doing business, even if it’s not a legal requirement.
Who Should Carry Workers’ Compensation Insurance?
We recommend coverage for:
- Businesses with employees in higher-risk industries (construction, manufacturing, hospitality)
- Companies working with government entities, as contracts may require coverage
- Businesses that want to protect their financial stability from employee injury claims
- Employers who value employee wellbeing and workplace safety
Whether you have one employee or a hundred, workers’ comp coverage is a smart way to protect your business and workforce.
Why Choose Galloway Insurance?
- Access to competitive carriers specializing in Texas workers’ compensation coverage
- Expert guidance to help you comply with regulations and avoid costly gaps
- Local service with fast responses to claims and policy questions
- Affordable options for businesses of all sizes
Our Promise: Insight, Expertise and Relationsip
At Galloway Insurance, we believe in more than just selling policies —we’re here to build lasting partnerships with Texas business owners.
- Insight—We understand your needs.
- Expertise—We understand Insurance.
- Relationship—You will love doing business with us, we care.
- Here to Help—When you call, we answer… When you come by, we’re here.
- Community—We make significant investments in our community because of your choice to do business with us.
Frequently Asked Questions (FAQs)
Is workers’ compensation insurance required for private businesses in Texas?
No, it’s not legally required, but opting out increases your business’s exposure to lawsuits and direct liability for employee injuries.
What happens if I don’t carry workers’ compensation insurance?
Without coverage, you may be sued by injured employees and be responsible for their full medical costs, lost wages, and legal damages.
Does workers’ compensation cover only on-site injuries?
No, it covers job-related injuries that happen off-site as well, such as during business travel or remote work assignments.
Are part-time employees covered by workers’ compensation insurance?
Yes, part-time, seasonal, and full-time employees are typically eligible for coverage under most policies.
How much does workers’ compensation insurance cost in Texas?
Costs depend on factors like payroll size, job classifications, industry risk, and claims history. Galloway Insurance shops multiple carriers to find competitive rates for you.