No Workers’ Comp Insurance? Here’s What Galveston Workers Should Know About Non-Subscriber Claims

If you were hurt at work in Galveston and your employer doesn’t carry Texas workers’ compensation insurance, you’re not out of options. You may have a stronger legal position than you think. 

 

At A2X Law Firm, we help injured workers in Galveston hold non-subscriber employers (companies that have opted out of the state’s workers’ compensation system) fully accountable when their negligence leads to an injury. 

 

What Is a Non-Subscriber in Texas? 

Unlike most states, Texas does not require private employers to carry workers’ compensation insurance. Companies that choose not to enroll in the system are referred to as non-subscribers. 

 

Big-name employers like Walmart, Home Depot, Sears, and Target, all with locations near Galveston, are known as non-subscribers. While they may offer alternate forms of injury coverage, these plans often come with fine print that limits your rights. Importantly, these alternatives are not true workers’ comp, and that means your employer may be vulnerable to a lawsuit if they’re found negligent. 

 

How Non-Subscriber Claims Are Different (and Better for Workers) 

One of the most significant legal protections for injured workers in non-subscriber cases is that employers cannot hold employees responsible for their injury. 

That’s right: under Texas law, if your non-subscriber employer is even 1% at fault, they can be held responsible for 100% of your damages. 

 

This is very different from typical personal injury claims, where your compensation can be reduced if you're found partially at fault (known as contributory negligence). 

 

Common Reasons Non-Subscribers Are Held Liable 

At A2X Law Firm, we’ve seen non-subscriber liability arise from preventable problems such as: 

  • Poor or incomplete safety training 
  • Lack of proper safety equipment 
  • Unsafe workplace conditions or ignored hazards 
  • Inadequate staffing or supervision 
  • Pushing employees to work in violation of safety policies or labor laws 

 

Whether you were injured in a stockroom accident at a retail chain on Seawall Blvd or while working construction along Broadway Street, if your employer failed to keep you safe, they can, and should be, held accountable. 

 

What Compensation Can You Recover? 

In a successful non-subscriber claim, Galveston workers may recover compensation for: 

  • Medical expenses and ongoing care 
  • Lost wages and diminished future earning capacity 
  • Pain and suffering 
  • Physical impairment or disfigurement 
  • Emotional distress 

 

If your injury resulted in permanent damage or disability, your recovery could be substantial. And unlike in regular workers’ comp cases, there’s no cap on the damages a jury can award in a non-subscriber claim. 

 

Why Galveston Workers Trust A2X Law Firm 

At A2X Law Firm, we focus on protecting the rights of Texas workers, especially when they're up against large, self-insured corporations. We understand how intimidating it can be to stand up to a company with legal teams and deep pockets. That’s why we take these cases seriously and fight strategically to level the playing field. 

We work with injured workers across Galveston from Pelican Island to Midtown to: 

  • Investigate how your injury occurred 
  • Expose unsafe practices and employer negligence 
  • Preserve evidence and build a compelling case 
  • Negotiate from a position of strength or take the case to trial if needed 

 

Take Action Now: Before Evidence Disappears 

If you’ve been hurt on the job and suspect your employer is a non-subscriber, you need to move fast. Your employer and their insurance reps may already be working to protect themselves, and you should do the same. 

 

Call A2X Law Firm today for a free consultation, and let us fight for the recovery you deserve because no worker should pay the price for their employer’s mistakes.