Texas

Texas employers, except for governmental entities and construction contracts for governmental entities, may choose whether or not to possess workers compensation insurance.

Even though Texas law does not require coverage, your customers may require it in order to do business, so it is important to take this into consideration.

Employers choosing not to obtain workers compensation insurance coverage are considered "non-subscriber," and must notify their employees and the Texas Division that you do not have workers compensation insurance by posting written notice in the personnel office. Notices must be in English, Spanish, and any other language necessary and must be in the wording and format detailed in TDI-DWC (Notice-5). If a notice is not correctly posted, the employer will be liable for any administrative violations. Notices also need to be in place if you do decide to become a subscriber of workers compensation insurance.

Since carrying workers compensation insurance is optional in Texas there are no exemptions for workers compensation coverage.

Again, since carrying workers compensation insurance is not compulsory, there is no need to delineate any differences, except for sub-contractors/contractors who engage in contracts with government and public entities.