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Texas is the only voluntary Comp state. But they remain liable for the workers' injuries and should opt out correctly - according to the state rules, filing their decision with the state and posting the proper notice to employees. You can't just decide to go bare. Employers in all states need to realize they remain liable if they don't have coverage, and that their employees and their employees' families can sue them. In many states, like Texas for example, you're even responsible for your subcontractors who don't have coverage.

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Q: Will you be fined by the state of Texas for not having workers comp?
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