Focused Business Partners
Workers’ Compensation in Houston, TX
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.
How Our Workers’ Compensation Services Work
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
What Texas Employers Should Know About Workers’ Comp
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.
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.
