Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
In Texas, tile contractors are not required to carry workers’ compensation insurance. However, many tile businesses choose to provide coverage to protect their employees and reduce financial and legal risks for the company.
Tile contractors working on government contracts must provide workers’ compensation for employees involved in those projects. Additionally, some general contractors may require subcontractors to carry workers’ comp before starting work.
Non-subscribers must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of their non-subscriber status and report all workplace injuries or illnesses. Failure to comply with these requirements can lead to fines and increased liability risks.
For more details, visit Workers’ Compensation Insurance Texas.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
Here are the main categories for classifying injuries in the tile contracting industry. For more details, visit our guide - Workers’ Comp Class Codes for Tile Contractors.
5348 - Ceramic Tile, Indoor Stone, Marble, or Mosaic Work
5348 - Stone Flooring Contractors
8720 - Job Site Estimators
1803 - Tile and Stone Fabrication
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
In Texas, workers' comp isn’t required, but other states have stricter rules. If your employees work out of state occasionally, minimal time (under 10-15%) might not need extra coverage. However, frequent or extended work likely will. Keep detailed payroll records and consult your insurance company to ensure compliance with the laws in those states.
Workers' comp isn’t mandatory in Texas, but if your subcontractors don’t have their own coverage, you could be held liable for injuries they sustain on the job. Always collect Certificates of Insurance (COIs) from subcontractors. Without them, their payroll may need to be added to your policy if you choose to carry one.
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