Non-subscriber (Texas)

A non-subscriber is a Texas employer that has chosen not to carry statutory workers' compensation coverage. Texas is the only US jurisdiction where private workers'-comp coverage is elective, and a non-subscriber forgoes the exclusive-remedy defence against workplace-injury tort claims in exchange for freedom to design its own occupational-injury benefit plan.\n\nMost PEO master policies presume subscriber status, so a client migrating into a PEO usually gains workers'-comp coverage on the PEO's carrier at signup. A non-subscriber client wanting to retain that posture must confirm in writing that the PEO's arrangement supports it. See who is liable under co-employment for the underlying doctrine, ABC test for the classification analysis that determines who counts as an employee, and how PEPM fees are quoted for the pricing convention. The help pages and workers'-comp hub publish related detail.\n\n## What this doesn't cover\n\nThis entry is Texas-specific; every other US state mandates workers'-comp coverage under differing thresholds, and non-subscriber status has no analogue outside Texas.