Texas Non-subscriber
Texas Non-subscriber
Opting out doesn’t mean opting out of responsibility.
In Texas, employers can choose whether to participate in workers’ comp — but workplace injuries still happen, and the financial impact can be significant. Texas non-subscriber coverage helps your clients build a smarter backstop for on-the-job risk, so one serious incident doesn’t become a business-defining event.
Now offered through Amwins Specialty Casualty Solutions, our Jackson Lloyd Texas Non-subscriber program gives employers a clearer path forward, offering practical, purpose-built protection for work-related incidents – all written on A+ paper and backed by the leader in occupational loss protection.
Program highlights
- Self-insured retention (SIR) – per occurrence
- No pre-existing condition exclusion
- Pays on behalf of policy holder
- Duty to defend
- No commutation clause
- ERISA and Alternative Dispute Resolution (ADR) included at no charge
Target classes
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Coverages
Multiple coverage options provide flexibility for any need or budget*. We can write:
- Employee benefits
- Occupational accidental death, disability, medical, cumulative trauma, sickness/disease
- Employers’ liability
*Actual coverage will depend on policy type:
- Advantage: Includes employee benefits, employers’ liability and legal defense
- Impact: Includes employee benefits only
- Essentials: Geared for price-conscious clients looking for basic protection
We're proud that Jackson Lloyd has joined Amwins. Read the press release.
Texas Non-subscriber insurance
key details
Limits
- $50M annual aggregate limit availability
- $25M occurrence limit availability
Submission requirements
For premium indication, please provide:
- Applicant name
- Payroll breakout into class codes
- Limits
- Target premium
*Ideal submissions also include:
- Completed application (and supplemental, for transportation accounts)
- Expiring dec pages
- Safety manual (or table of contents)
- List of locations with number of employees per location
- 3-5 years of first-dollar loss history
- 3-5 years premium and payroll history
THIS IS NOT A DESCRIPTION OF WORKERS’ COMPENSATION INSURANCE. THE EMPLOYER DOES NOT BECOME A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM BY PURCHASING THE POLICY DESCRIBED IN THIS BROCHURE, AND IF THE EMPLOYER IS A NON-SUBSCRIBER, THE EMPLOYER LOSES THOSE BENEFITS WHICH WOULD OTHERWISE ACCRUE UNDER THE WORKERS’ COMPENSATION LAWS. THE EMPLOYER MUST COMPLY WITH THE WORKERS’ COMPENSATION LAW AS IT PERTAINS TO NONSUBSCRIBERS AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED.
