Texas Workers Comp Class Codes & Rates
Texas is unique in that workers' compensation insurance is not mandatory for most private employers. However, employers who opt out ('non-subscribers') lose certain legal protections. The Texas Department of Insurance (TDI) regulates the market.
Rating Org
TDI advisory loss cost
Effective
2026-07-01
Avg Rate
—
Codes Listed
45+
Do you have to carry workers' comp in Texas?
For most private employers, no. Texas lets you choose. If you opt out, you have notice duties and you give up key defenses in injury lawsuits; pre-injury waivers are void.
Source: Labor Code §406.002(a), §406.004, §406.005(b)-(c), §406.033(a),(d),(e). Texas Department of Insurance, Division of Workers' Compensation (TDI-DWC) runs the system (§406.009, §406.051(b)).
Check your situation
Do you bid public construction work (state, city, county, school)?
Do you have employees?
Do you carry workers' comp today?
Answer
Your choice, with duties
You may opt out (§406.002(a)), but you must tell DWC and your employees (§406.004, §406.005) and you lose key lawsuit defenses (§406.033).
What the number on our code pages means
Each Texas code page shows the TDI advisory loss cost per $100 of payroll. It is a loss cost, not a rate: it leaves out every expense provision except loss adjustment expense.
Your premium starts from it, before carrier factors, and your experience mod pushes it up or down.
Source: Texas Department of Insurance, 2026 advisory loss costs. The next TDI loss costs are not yet published, so only current figures are shown.
Covered executive officers are counted between $150 and $1,200 a week (TDI Advisory Miscellaneous Values).
Construction in Texas
Public jobs require a coverage certificate from the contractor and every sub. On private jobs, the hiring-contractor rules decide who counts as an employee.
Source: Labor Code §406.096; §406.141–§406.146.
Texas code directory
| Code | TDI advisory loss cost, effective July 1, 2026 |
|---|---|
| Code 0005 | 0.621 |
| Code 0042 | 0.916 |
| Code 0083 | 1.150 |
| Code 2501 | 0.759 |
| Code 3004 | 0.598 |
| Code 3081 | 1.041 |
| Code 4299 | 0.480 |
| Code 5022 | 1.474 |
| Code 5040 | 2.046 |
| Code 5160 | 0.835 |
| Code 5183 | 0.757 |
| Code 5190 | 0.828 |
| Code 5200 | 0.889 |
| Code 5213 | 1.110 |
| Code 5403 | 1.186 |
| Code 5437 | 1.006 |
| Code 5474 | 0.689 |
| Code 5551 | 1.946 |
| Code 6204 | 1.612 |
| Code 6213 | 0.873 |
| Code 6233 | 0.741 |
| Code 6400 | 1.003 |
| Code 7219 | 1.981 |
| Code 7380 | 1.223 |
| Code 7382 | 1.267 |
| Code 8006 | 0.537 |
| Code 8017 | 0.354 |
| Code 8018 | 0.640 |
| Code 8039 | 0.908 |
| Code 8044 | 0.753 |
| Code 8045 | 0.209 |
| Code 8292 | 0.731 |
| Code 8601 | 0.075 |
| Code 8742 | 0.052 |
| Code 8810 | 0.020 |
| Code 8820 | 0.020 |
| Code 8832 | 0.059 |
| Code 8835 | 0.491 |
| Code 9014 | 0.549 |
| Code 9052 | 0.381 |
| Code 9170 | 2.902 |
| Code 0008 | 0.846 |
| Code 0106 | 1.308 |
| Code 2039 | 1.139 |
| Code 2021 | 0.738 |
Source: Texas Department of Insurance, 2026 advisory loss costs. The next TDI loss costs are not yet published, so only current figures are shown.
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