Texas
What the Texas authorities publish about business insurance, quoted directly, with a link and a date on every answer.
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Texas Department of Insurance, Division of Workers’ Compensation — confirm yours there or with a licensed producer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Is workers’ compensation coverage required of private employers in Texas?
Texas is the exception among US states: the Texas Department of Insurance states that private employers may choose to carry workers’ compensation coverage and that it is not required in most cases. Employers who go without are commonly called non-subscribers, and the choice carries its own consequences in liability.
“private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases”
What are the minimum auto liability limits in Texas?
The Texas Department of Insurance states that Texas law requires at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage — what the Department calls 30/60/25 coverage. It is a floor, not a recommendation: the Department adds that those limits might be too low in a multi-vehicle accident.
“Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.