Focused Business Partners

Workers’ Compensation in Houston, TX

Coverage under our master policy for most businesses, and full PEO support for Texas nonsubscribers too.
Check Your EligibilityCall (281) 573-0998
Master policy coverage · Nonsubscribers welcome · Workers’ comp never required to work with us
Focused Business Partners covers most clients under our workers’ compensation master policy, with Focused BP as the policy sponsor. If your business doesn’t qualify, or you choose to be a Texas nonsubscriber, you can still use our payroll, HR, and benefits services. Workers’ comp through us is an option, not a requirement.

Workers’ Comp in Texas Is a Choice. Make It With the Right Partner

Texas is one of the few states where most private employers decide for themselves whether to carry workers’ compensation. That choice affects your risk, your costs, and how you handle an injury on the job.

You don’t have to buy coverage through us to work with us. We’ll cover you under our master policy if you qualify, and we’ll work with you either way.

Best Workers Compensation Services: Prioritizing Employee Safety and Business Protection: Focused Business Partners

How Our Workers’ Compensation Services Work

checkmark 1

Coverage under our master policy

Most clients are covered under the Focused BP workers’ comp master policy, where we’re the sponsor.
checkmark 1

No requirement to buy through us

You can partner with us for payroll, HR, and benefits without getting workers’ comp from us.
checkmark 1

Nonsubscribers welcome

If you choose not to carry Texas workers’ comp, we still work with you.
checkmark 1

A path for every business

If we can’t get your business approved for our policy, we’ll tell you clearly and keep supporting the rest of your HR needs.

Two Ways to Work With Us

Covered by our master policy

  • Who holds the policy : Focused Business Partners
  • Who it fits : Most of our clients
  • Payroll, HR, and benefits : Included

Your own policy or nonsubscriber

  • Who holds the policy : Your company, or no policy
  • Who it fits : Businesses that don’t qualify for our policy, or that choose not to carry coverage
  • Payroll, HR, and benefits : Included
Not sure which path fits? We’ll review your business and tell you whether you qualify for our master policy.

What Texas Employers Should Know About Workers’ Comp

1

Coverage is optional

 In Texas, private employers can choose whether to provide workers’ compensation coverage. Employers who don’t are called nonsubscribers (TDI).

2

Nonsubscribers have notice duties

Nonsubscribers must notify their workers and file notices with the Texas Division of Workers’ Compensation (TDI).

Under Texas PEO rules, workers’ comp is optional for a PEO too, and the service agreement must state which party maintains coverage (TDLR). Our agreements spell this out from day one.

Find out if your business qualifies for our master policy. Most clients are up and running within 2–3 weeks.

Check Your Eligibility

Frequently Asked Questions

Do we have to get workers' comp through Focused Business Partners?

No. Workers’ comp through us is a strong option, but it’s never required. You can use our payroll, HR, and benefits services and handle workers’ comp on your own.

Do you work with Texas nonsubscribers?

Yes. If you choose not to carry Texas workers’ compensation, we’ll still work with you as your PEO.

How does your workers' comp master policy work?

Most of our clients are covered under one workers’ comp policy that Focused Business Partners sponsors. Your employees are covered under that policy instead of a separate policy in your company’s name.

What if our business doesn't qualify for your master policy?

Some businesses can’t be approved for our policy. If that happens, you can keep your own policy or remain a nonsubscriber, and we’ll still handle your payroll, HR, and benefits.

Is workers' compensation required in Texas?

For most private employers, no. Texas lets private employers choose whether to provide coverage. Employers that opt out are nonsubscribers and must give required notices to their workers and the state.

Rectangle 22