Texas Non-Subscriber Insurance Options

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What is a Texas Non-Subscriber?

Texas employers who elect not to purchase workers’ compensation insurance are referred to as non-subscribers. On the other hand, Texas employers who do elect to purchase workers’ compensation are referred to as subscribers. Simply put, Texas businesses have more than one option when it comes to providing benefits for on the job workplace injuries.

Non-Subscriber insurance programs

A responsible non-subscriber can implement a comprehensive program that provides occupational injury benefits to their employees. There are many insurance programs to choose from in today’s market place that provide medical benefits, wage replacement benefits, disability benefits and death benefits. Many of the occupational accident plans also provide additional coverage for legal costs, damage awards, duty to defend and more.

Other components to consider

In addition to purchasing an occupational accident insurance plan, which provides workplace injury benefits, a responsible non-subscriber also needs to consider workplace safety. This very important element is a must for any employer who elects to become a non-subscriber. It is also important to file the proper forms with the TWCC and post the proper signs that are required when a employer becomes a non-subscriber. These forms are simple to do and are available by request.

This agency is one of the few sources of non-subscription products that an agent can count on consistently. They have the experience and relationships to bring it all together.
Warren A. Howell
Risk Management, Inc
It has been our privilege to work with The Comp Solutions Network on Texas Non-Subscriber programs for the past fourteen years. Patricia Barnes Casteig and her staff are extremely knowledgeable and excel in training and assisting agents with placing coverage for their clients. They are recognized statewide as a leader in the Texas Non-Subscriber marketplace.
Darlene Freeman
Great American Ins. Group, ECA Division
Since the creation of TXANS more than a decade ago, The Comp Solutions Network has worked with us to preserve nonsubscription in Texas. Comp Solutions participation in TXANS validates its belief in responsible nonsubscription and support for the programs utilized by Texas nonsubscribers.
Steve Bent
Texas Association of Responsible Nonsubscribers-TXANS
Our attorneys have worked with Patricia Barnes and her staff for about 12 years. We have had several mutual clients. The Comp Solutions Network has always delivered consistent and good client service... much appreciated by our clients and us. They know their stuff!
Mike Dodge
Attorney
Since 1996, we've enjoyed an outstanding relationship with the people at Comp Solutions Network. We've grown to rely on them for many of our Workers' Comp markets. Dianne Wilson goes beyond the call of duty. She had the magic wand in many situations!
Malcolm Willis
Willis Insurance

Testimonials

"This agency is one of the few sources of non-subscription products that an agent can count on consistently. They have the experience and relationships to bring it all together."

"It has been our privilege to work with The Comp Solutions Network on Texas Non-Subscriber programs for the past fourteen years. Patricia Barnes Casteig and her staff are extremely knowledgeable and excel in training and assisting agents with placing coverage for their clients. They are recognized statewide as a leader in the Texas Non-Subscriber marketplace."

"Since the creation of TXANS more than a decade ago, The Comp Solutions Network has worked with us to preserve nonsubscription in Texas. Comp Solutions participation in TXANS validates its belief in responsible nonsubscription and support for the programs utilized by Texas nonsubscribers."

"Our attorneys have worked with Patricia Barnes and her staff for about 12 years. We have had several mutual clients. The Comp Solutions Network has always delivered consistent and good client service... much appreciated by our clients and us. They know their stuff!"

"Since 1996, we've enjoyed an outstanding relationship with the people at Comp Solutions Network. We've grown to rely on them for many of our Workers' Comp markets. Dianne Wilson goes beyond the call of duty. She had the magic wand in many situations!"

Warren A. Howell

President

Risk Management, Inc

Darlene Freeman

Divisional President

Great American Ins. Group, ECA Division

Steve Bent

Executive Director

Texas Association of Responsible Nonsubscribers-TXANS

Mike Dodge

Attorney

Dallas, TX

Malcolm Willis

Owner

Willis Insurance

Only in Texas

Texas is the only state in the Union where the majority of Texas businesses can elect to non-subscribe. Thanks to our historical fore fathers, this option has been available since 1913. However, there were not many employers who were interested in this option, or even knew about it until around the mid 1980’s when workers’ compensation cost in Texas escalated to some of the highest in the nation. Today approximately 44 percent of Texas businesses operate as non-subscribers. These employers can be found in almost every segment of today’s business community and have employees that range in size from one employee up to thousands.