Ultimate Guide to Workers’ Comp Alternatives in Texas (2025)

Updated December 12, 2025 • 10 min read

Texas is unique: employers may choose a nonsubscription workers comp option instead of traditional WC. This guide explains how the CPRO Texas option works, where the savings (15–40%) come from, who it’s best for, and how to implement it in 30–60 days.

Texas Nonsubscription vs Traditional Workers’ Comp

• Unlimited medical coverage under CPRO vs statutory caps
• Mandatory arbitration for faster claims resolution
• Separate employee benefit limits vs combined single limits
• Often 15–40% lower total cost of risk (premium + claims)

Who Benefits Most

Restaurants, retail, healthcare, manufacturing, transportation, franchises, and senior care with 10–200 employees.

Implementation Steps (30–60 days)

1. Feasibility analysis and quote
2. Plan design (benefits, arbitration, notices)
3. Safety program + manager training
4. Go‑live and claims protocol

FAQs

Is it legal? Yes—Texas permits nonsubscription. Is it right for you? It depends on risk tolerance, industry, and safety culture. We’ll guide you.