Jessica is a daycare owner in Texas. She recently faced a tough decision when one of her teachers was bitten by a two-year-old. Normally, these incidents are routinely handled, but this bite was so severe that it broke the skin. Jessica now faced a decision: Should she file a workers’ compensation claim or cover the cost of her teacher's medical bills herself to avoid a premium increase?
Like many Texas daycare operators, Jessica wasn’t sure if workers’ compensation was required or even worth it. After speaking with a daycare insurance specialist, she learned that employers aren’t legally required to carry workers’ compensation in Texas. However, that doesn’t mean there’s no risk.
Without workers’ comp, Jessica would be financially responsible for her teacher’s medical bills, potential rehabilitation, lost wages, and any legal claims. Even a small injury could lead to big costs if a lawsuit follows. That realization made Jessica grateful her daycare had coverage in place.
Workers’ compensation insurance covers job-related injuries like bites, strains from lifting children, or slips while cleaning. It pays for medical expenses, lost wages, rehab, and legal defense—none of which are covered by general liability or health insurance.
Jessica also learned that if her employee had gone to the ER and reported the injury happened at work, her health insurance wouldn’t have applied. Workers’ comp is specifically designed to cover on-the-job injuries, and without it, a daycare owner can face steep out-of-pocket costs.
In the end, Jessica decided to file the claim. Protecting her business and her team was more important than trying to save a few dollars on insurance.
If you’re operating a daycare facility in Texas, working with an experienced insurance agent who specializes in daycare insurance can help you navigate these decisions. True Texas Daycare Insurance customizes policies to fit the unique risks of your daycare based on your operations. Insurance For Texans is the only place to find True Texas Daycare Insurance that helps you secure coverage that safeguards your employees, your business, and your peace of mind.
Click the button below to get workers’ compensation and other insurance options for your Texas daycare. Protect your business and the team that helps it thrive!
