April 21, 2026

How to Check if Your Texas Employer Has Workers’ Compensation Insurance

If you’ve been injured on the job in Georgetown, one of the most critical first questions you need to answer is: “Does my employer have workers’ compensation insurance?”

In Texas, employers can choose whether or not to carry this insurance. This choice fundamentally changes your legal rights and the path to recovering compensation for your injuries. An employer with workers’ comp is shielded from most lawsuits, while an employer without it—a “nonsubscriber”—can be sued directly for negligence.

Fortunately, the Texas Department of Insurance (TDI) provides a straightforward way to verify an employer’s workers’ compensation coverage status online. Here’s a step-by-step guide to help you find the information you need.

Step-by-Step Guide to Verifying Workers’ Comp Coverage

The TDI’s Division of Workers’ Compensation (DWC) maintains an online database that allows anyone to look up an employer’s insurance status.

Step 1: Visit the Official TDI Website

The primary tool you’ll need is the “Proof of Coverage” verification portal on the Texas Department of Insurance website. You can find this by searching for “TDI workers comp coverage verification” or by navigating directly to the DWC online lookup tool.

• Website: https://www.tdi.texas.gov/wc/employer/coverage.html

Step 2: Enter the Employer’s Information

Once you are on the verification page, you will see a search form. You’ll need to provide the employer’s name. For the most accurate results, it’s best to use the company’s official legal name.

Information Needed  &  Tips for an Accurate Search

Employer Name  Use the full, legal name of the company if you know it. This might be different from the “doing business as” (DBA) name you see on a storefront or truck. Check your pay stub for the official name.

Federal Employer ID Number (FEIN)   This is the most accurate way to search if you have it, as it is unique to the employer. This number can also sometimes be found on your W-2 or other official employment documents.

You do not need to enter both; the employer’s name is usually sufficient.

Step 3: Analyze the Search Results

After submitting the information, the system will show you the employer’s coverage history.

• If Coverage is Found: The results will display the name of the insurance carrier that provides the workers’ compensation policy and the dates the policy is (or was) effective. If the date of your injury falls within the “Effective Date” and “Cancellation Date” of a policy, the employer was covered.
• If No Coverage is Found: The database will state that it has no record of coverage for that employer. This is a strong indicator that the employer is a nonsubscriber.

It’s a good practice to take a screenshot or print the results page for your records.

What If You Can’t Find Your Employer?

If your search doesn’t return a result, don’t panic. It could be due to a few reasons:

• You used a DBA name: The company may operate under a different name than its legal entity name. Try searching for variations.
• The company is self-insured: Some very large companies are certified by Texas to self-insure for workers’ compensation claims. The TDI database should still reflect this status.
• They are a nonsubscriber: The most likely reason for no record is that the employer has chosen to opt out of the system.

Why This Information Is Crucial for Your Case

Knowing your employer’s status is the first step in building a successful injury claim.

• If they have workers’ comp, you must follow the strict reporting deadlines and procedures of the Texas DWC to receive benefits.
• If they are a nonsubscriber, you have the right to file a personal injury lawsuit against them for negligence. This allows you to seek full compensation for damages not available in a workers’ comp claim, such as pain and suffering.

Let Us Help You Navigate Your Next Steps

Verifying your employer’s insurance status is a critical but often confusing first step. If you’ve been injured at work in the Georgetown area, let us help.

The legal team at Capital Personal Injury Lawyers can perform this search for you, confirm your employer’s status, and explain exactly what it means for your case. Contact us today for a free, no-obligation consultation. We’re here to protect your rights and help you get the justice you deserve. Call us at (512) 575-4262 to learn more.