Does A Small Business Need Worker’s Comp?


Do you own your own business? If you are a small business owner then you worked hard to get where you are. You put in the long hours and placed everything on the line to make your company work. You probably carry business insurance to protect this investment of your time and money. But what about worker’s compensation coverage? Does a small business need worker’s comp?

When Does a Person Need Worker’s Compensation?

As an employee, you need this protection should you become injured on the job. The coverage can help provide for the lost wages if you miss work to recuperate, preventing you from losing your home or having utilities shut off. As an employer, you need this coverage to protect your employees and your business. Otherwise, covering the cost of a death or injury on the job could be a serious blow to your small company.

Is This Coverage Required?

Does the state require coverage to compensate workers? Actually, the state of Texas does not require companies to carry this coverage. However, this doesn’t mean the state won’t expect you to provide compensation should an accident happen at your workplace. For both you and your employees, we recommend carrying a worker’s comp policy.

What If I am a Small Business?

If you are a small business then you need worker’s comp protection more than anyone. After all, your profits are smaller and in the early stages of your business, practically non-existent. Any interruption could lead to serious trouble and potentially the loss of your business. You also want this protection because you care about your employees. When they are hurt, you want to be able to provide the compensation necessary to allow them to recuperate without worrying about bills or groceries. If you have any questions about our business insurance options, then please contact our office today.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.