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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 / NCCI

Effective

2026-07-01

Avg Rate

$0.95

Codes Listed

66+

Texas uses official TDI advisory loss costs effective July 1, 2026. Rates shown are TDI 2026 advisory loss costs per $100 of payroll; actual carrier rates depend on the loss cost multiplier (LCM). Construction and high-hazard industries are strongly encouraged to carry coverage.

Texas Workers' Comp: Non-Subscriber State Explained

Texas is the only state in the U.S. where private employers can legally opt out of the workers' compensation system. Employers who choose not to carry coverage are called non-subscribers. Non-subscribers lose the protection of the exclusive remedy doctrine — meaning injured employees can sue the employer directly in civil court and can claim negligence without the usual defenses available to covered employers.

In practice, most Texas employers in construction, manufacturing, and any industry with significant physical risk carry coverage voluntarily. Many general contractors require subcontractors to carry workers' comp as a condition of working on their sites, regardless of state law.

Texas uses TDI (Texas Department of Insurance) advisory loss costs, effective July 1, 2026. These are not the final rates — each carrier applies a loss cost multiplier (LCM) to arrive at their filed rate. The actual premium you pay depends on the carrier's LCM, your experience modification factor (EMR), and any schedule credits or debits.

Top Texas Class Codes by Industry

CodeTradeRate/$100
5551Roofing — All Kinds & Drivers$1.946
5403Carpentry NOC$1.186
5190Electrical Wiring Within Building$0.828
5183Plumbing NOC & Drivers$0.757
5537HVAC$2.300
8810Clerical Office Employees NOC$0.020
7380Drivers, Chauffeurs & Helpers$1.223
8742Salespersons — Outside$0.052
Texas Dept. of Insurance (TDI)·Advisory loss costs — carriers apply LCM for final rate·Effective July 1, 2026·Official filing
66 codes
CodeDescriptionRate / $100
0005Farm - Nursery Employees & Drivers$0.62
0042Landscape Gardening & Drivers$0.92
0083Farm - Cattle or Livestock Raising NOC & Drivers$1.15
1430Foundry - Iron or Steel$3.20
2001Sawmill$4.50
2501Bakery$0.76
2585Meat Packing$3.90
3004Iron or Steel Fabrication$0.60
3030Welding NOC$2.80
3081Machine Shop NOC$1.04
3803Automobile Repair - All Employees$1.50
4299Printing$0.48
5022Masonry NOC$1.47
5040Iron or Steel Erection - Frame Structures$2.05
5160Elevator Erection/Repair$0.83
5183Plumbing NOC and Drivers$0.76
5190Electrical Wiring Within Building and Drivers$0.83
5200Concrete Work - Floors, Driveways, Yards$0.89
5213Concrete Construction NOC$1.11
5403Carpentry NOC$1.19
5437Carpentry - Install Cabinet Work/Interior Trim$1.01
5474Painting or Paperhanging NOC$0.69
5507Street or Road Construction or Reconstruction$2.60
5535Sheet Metal Work - Installation & Drivers$4.30
5537Heating, Ventilation, Air Conditioning (HVAC)$2.30
5551Roofing - All Kinds & Drivers$1.95
5645Carpentry - Detached Dwellings$6.20
5651Carpentry - Dwellings 3 Stories or Less$3.90
6204Drilling NOC & Drivers$1.61
6213Oil or Gas Wells - Servicing by Contractors$0.87
6217Excavation and Drivers$2.60
6233Oil/Gas Pipeline Construction$0.74
6400Fence Erection - Metal$1.00
7219Trucking NOC$1.98
7222Truckers - Long Haul$5.20
7380Drivers, Chauffeurs & Their Helpers$1.22
7382Bus Company$1.27
7705Ambulance Service Companies, EMS Providers & Drivers$2.50
8006Store - Grocery Retail$0.54
8010Store - Hardware$1.02
8017Retail Stores NOC$0.35
8018Store - Wholesale NOC$0.64
8039Department or Discount Stores$0.91
8044Store - Furniture & Drivers$0.75
8045Store - Drug Retail$0.21
8292Storage Warehouse NOC$0.73
8380Auto Service and Repair Center$1.32
8393Automobile Body Repair$0.88
8601Architects or Engineer Consulting$0.07
8742Salespersons, Messengers - Outside$0.05
8810Clerical Office Employees NOC$0.02
8820Attorney - All Employees$0.02
8832Medical Offices, Physician$0.06
8835Nursing - Home Health$0.49
9014Buildings - Operation by Contractor$0.55
9052Hotel - All Other Employees$0.38
9082Restaurant NOC$0.90
9083Restaurant - Fast Food$0.93
9170Janitorial Service by Contractors$2.90
9403Garbage and Refuse - Collecting in Containers$4.30
0008Farm - Vegetable & Drivers$0.85
0106Tree Pruning & Drivers$1.31
1452Die Casting$2.60
2039Textile - Cotton Ginning$1.14
2160Textile - Dyeing or Finishing$2.98
2021Grain Elevator - All Employees & Drivers$0.74

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