Workers’ Compensation Insurance in Longview, TX
Greg Williams Insurance Agency helps East Texas employers review workers’ compensation coverage, payroll classifications, and contract requirements. Tell us what your employees do and where they work so we can compare available options.
Request a workers’ compensation quote or call 903-372-1901.
Texas coverage requirements
Most private employers in Texas can choose whether to carry workers’ compensation, but exceptions and contract requirements apply. Employers without coverage can have notice and reporting duties and different legal exposures. Review current Texas Division of Workers’ Compensation employer guidance before making that decision. Our guide to the subscriber or non-subscriber decision walks through the DWC filings, the common-law defenses a non-subscriber gives up, and what the alternatives cost.
Workers’ compensation can provide statutory benefits for eligible work-related injuries or illnesses. An alternative occupational injury plan is not the same coverage. Ask how the proposed policy meets your business and contract needs.
What to review before buying
Employee duties and payroll: Provide accurate descriptions and payroll estimates by job type. Tell us about changing duties, seasonal hiring, and work in other states.
Owners and officers: Eligibility and election rules differ by business structure and policy. Confirm who is included or excluded and the effect on available benefits.
Subcontractors: Keep insurance documentation and contracts. Ask how subcontracted work affects underwriting and audits.
Employers liability: Review this part of the policy and any limits required by your contracts.
Contracts and certificates
Send the insurance requirements from your general contractor, customer, landlord, or public project before work starts. We can review the workers’ compensation requirements and any requested waiver of subrogation.
A certificate documents coverage; it does not create coverage or change the policy. Additional insured requests usually concern liability policies such as general liability or commercial auto, so identify which policy the contract refers to. Any endorsement must be available and properly approved.
Contact us for a certificate review with the holder’s name and address, project details, requirements, and deadline. We will confirm the steps and expected timing.
Payroll and premium audits
A policy may begin with estimated payroll and be adjusted through an audit. Keep payroll and job-duty records current, report significant changes, and retain subcontractor documentation. Final premium can change based on actual exposures and policy terms; ask how minimum premiums or other provisions affect the calculation.
Email your declarations pages to start
Email your current workers’ compensation insurance declarations pages to greg@gregagency.com. Include your preferred contact information and renewal date or desired start date. We will review the policy and follow up about your operations, employee duties, payroll, and any additional documents needed. If you do not have a current policy, email a brief description of your business so we can help you get started.
Common employer questions
Does general liability cover employee injuries?
No. General liability policies exclude injuries to your own employees; workers' compensation is the policy that pays their medical bills and lost wages. Do not rely on a general liability policy as a replacement for workers’ compensation. Review employee injury exposures separately.
Can an owner-only business obtain coverage?
Yes. Texas lets a sole proprietor, partner or corporate officer elect to be covered, and many general contractors require it before they will let a one-person sub on the job. Ask us to review the business structure, work performed, owner elections, and contract requirements. Eligibility and available options must be confirmed with the insurer.
Can you review my other business policies?
Yes. Coordinate workers’ compensation with general liability, commercial auto, and other business coverage.
Coverage, benefits, eligibility, and legal obligations depend on the issued policy and applicable requirements. A quote request does not bind insurance.
Reviewed by Greg Williams, Texas-licensed independent insurance agent and owner of Greg Williams Insurance Agency, Longview, TX. Last reviewed October 2026.