Most people assume that if you get hurt at work, workers' compensation is your only option.

In most states, that's true. But Texas is different. Texas is the only state in the country that allows employers to opt out of workers' compensation entirely, and a lot of them do.

If your employer opts out of workers’ compensation, they are called a “non-subscriber.” If your employer is a non-subscriber, your rights change in a very significant way. Instead of being limited to workers' comp benefits (which cover medical bills and a portion of lost wages but nothing for pain and suffering), you have full tort rights. You can sue your employer directly for negligence. And here's the part that really matters: non-subscriber employers lose almost every major defense that would normally protect them. They can't argue contributory negligence, co-employee negligence, or assumption of risk.

Non-subscriber cases are among the most favorable for injured workers in all of Texas law. Most workers don't know this. But Insurance companies absolutely do.

Even if your employer does subscribe to and carry workers' comp, you may still have a claim against a third party whose negligence contributed to your injury, a subcontractor, a manufacturer of defective equipment, a property owner, a delivery driver. Third-party claims are separate from workers' comp and allow you to pursue full damages including pain and suffering, mental anguish, and everything else that workers' comp doesn't cover.

We look at every workplace injury from every angle. If there's a path to full compensation, we’ll do everything we can to find it.