If you're hurt on the job in Texas, one of the first things you need to do is figure out if your employer has workers' comp coverage. The reason for this is because Texas does not force companies to participate in the workers' compensation program. What that means, practically speaking, is that your employer could participate in the workers' comp program, and you have one set of rights, or they could opt-out, and you have an entirely different set of rights. You can read more about that in our article called What Is the Difference Between a Workers' Compensation Case and a Non-Subscriber Case?
The purpose of this article is to explain one way you can discover if your employer has workers' comp or does not have workers' comp.
Just follow the steps below to get the answer you need.
Or if you have trouble with the database, give us a call. One of our non-subscriber work injury attorneys will be happy to help you get the information you need for free. We use this database all the time in our work injury cases, so it's no trouble for us to look up your employer as a courtesy.
1. First, navigate to the "Workers' Compensation Coverage Verification" database by clicking this link.
You'll know if you made it to the right place when you see a page titled "Texas Department of Insurance - Division of Workers Compensation," as shown below.
Click "Accept," as highlighted below.
3. You'll now see the first tab of the "Workers' Compensation Coverage Verification" search form.
Looking at the page, you can see you need three pieces of information to get an accurate result. You will need the state where the accident occurred, the date of your accident, and your employer's name.
4. "Texas" should automatically appear as your selection for "State."
You can also click the down arrow to see a list of other states.
If Texas is not selected, click the "State" box to open a drop down menu. States are organized alphabetically, so use the scroll box to sort through the list. Once you see "Texas," click on that name.
5. Now its time to select "Coverage Date."
Set your "Coverage Date" to the date you were injured.
The whole reason why you're searching for your employer in the first place is to ultimately determine what benefits or rights you have. You need to find out if your employer had workers' compensation coverage when you were hurt, since those rights and benefits depend on whether your employer had workers' comp on the day you were injured.
Believe it or not, we've seen employers purchase workers' compensation coverage after an employee gets hurt. This is a way employers can trick employees into not suing them.
6. Next, fill in the section called "Employer Name."
6. Click the "Search" button.
7. A list of your results will appear below the search form.
There may be several pages to go through depending on your query. You can filter these by typing the name or address of your employer in "Filter by name or address."
8. After finding your employer on the list, click on their name.
This will bring you to a page containing their insurance coverage provider.
9. If you don't have the name of your workplace, you can instead try the "Address" field.
Click the highlighted tab labelled "Address."
10. Type in the address of your employer in the form shown below.
Just like before, make sure the "State" is set to "Texas," enter the date your accident occurred, and instead of entering your employer's name, type their address.
11. You can also filter these results by name as well.
I Searched For My Workplace and Couldn't Find it, What Does that Mean for Me?
It either means A) your employer doesn't have workers' comp coverage (and is therefore a non-subscriber), B) they do have workers' comp coverage and appear in a different database, or C) there was an error in searching the database.
It's important to clarify why you didn't find them in the database, since, again, whether they participate in the workers' comp program or opt out will have a major impact on your rights.