How to verify a subcontractor’s workers’ comp in Texas

Quick check: which situation are you in?

The checker above takes three answers and tells you the next step. It does not decide for you; your contract and counsel do.

Why is verification harder in Texas?

In most states, a missing workers’ comp certificate is a red flag by definition. In Texas, most private employers can legally opt out. A sub who says “we don’t carry it” may be telling the truth and be fully lawful, so your verification step has to distinguish between covered, lawful non-subscriber and no information.

Verification steps

1. Request a current certificate of insurance showing workers’ compensation and employers’ liability.
2. Check the policy dates cover the whole work period.
3. Confirm the policy in TXCOMP, the Texas Department of Insurance coverage lookup. Choose “Locate Covered Employer,” then search by employer name and the date you need.
4. If the sub is a non-subscriber, follow the position set in your contract, which may include a required notice, an alternative policy, or exclusion from the job.
5. Record the date and result of each check.

Source: TDI workers’ comp coverage verification. If you can’t tell, TDI lists [email protected].

Not legal or insurance advice. Statutes change and contracts differ. Verify against the primary source (linked or named) and talk to your broker or attorney before relying on this.