In Texas, Workers Compensation Insurance is optional. Businesses don’t require this in most states. But, they allow themselves to optionally reimburse themselves. in fact, it’s not mandatory for workers if they receive a commission.
Employees are exempt from workers compensation laws. For this reason, the family members of the business owners who work for the firm are not regarded as employees. That’s why it’s not mandatory for them. There will be employer liability if there’s a work-related injury of a worker or dies in the workplace.
That is why a worker needs Worker’s Compensation Insurance whether it’s a requirement or not. Hence, an employer can be liable if the workers have work-related injuries. To avoid this, The employer must make acquiring of Workers Comp a requirement. Not only to himself alone, but also to employees for them to have something to show as proof.