Texas Codes

Tex. Lab. Code § 406.051 (2026)

Security By Commercial Insurance

✓ current as of May 2026

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Sec. 406.051. SECURITY BY COMMERCIAL INSURANCE. (a) An insurance company may contract to secure an employer's liability and obligations and to pay compensation by issuing a workers' compensation insurance policy under this subchapter.

(b) The contract for coverage must be written on a policy and endorsements approved by the Texas Department of Insurance.

(1) the obligation to accept a report of injury under Section 409.001;

(2) the obligation to maintain records of injuries under Section 409.006;

(3) the obligation to report injuries to the insurance carrier under Section 409.005;

(4) liability for a violation of Section 415.006 or 415.008 or of Chapter 451; or

(5) the obligation to comply with a commissioner order.

Acts 1993, 73rd Leg., ch. 269, Sec. 1, eff. Sept. 1, 1993. Amended by Acts 1999, 76th Leg., ch. 954, Sec. 4, eff. Sept. 1, 1999.

Amended by:

Acts 2005, 79th Leg., Ch. 265 (H.B. 7), Sec. 3.032, eff. September 1, 2005.

Notes of Decisions

Cited in 4 cases (1 in the last 5 years), 2016–2022 · leading case: Texas Mut. Ins. Co., Hartford Underwriters Ins. Co., Tasb Risk Mgmt. Fund, Transp. Ins. Co., Truck Ins. Exch., Twin City Fire Ins. Co., Valley Forge Ins. Co. v. Phi Air Med., LLC (Tex. 2020).

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Texas Mut. Ins. Co., Hartford Underwriters Ins. Co., Tasb Risk Mgmt. Fund, Transp. Ins. Co., Truck Ins. Exch., Twin City Fire Ins. Co., Valley Forge Ins. Co. v. Phi Air Med., LLC (Tex. 2020). · cites it 2× “”43 The court did not view Wyoming’s state fund as one that spread policyholder risk, 39 Ante at __ (“In many States, a government entity acts as the employers’ insurer, paying benefits to injured workers and reimbursing certain expenses they have incurred. In Texas, however,…”

Texas Instruments, Inc. v. Alessandro Udell (Tex. App. 2016). “” See TEX. LAB. CODE ANN. § 406.051(a), (b); Garza, 161 S.”

Texas Mut. Ins. Co. v. Hofer Builders, Inc. & Hartford Underwriters Ins. Co. (Tex. App. 2019). “Further, because the Endorsement is a standard form approved by the Division, see Tex. Lab. Code § 406.051(b) (“The contract for coverage must be written on a policy and endorsements approved by the Texas Department of Insurance.”

Texas Mut. Ins. Co. v. Hofer Builders, Inc. & Hartford Underwriters Ins. Co. (Tex. App. 2022). “See Tex. Lab. Code § 406.051(b) (“The contract for coverage must be written on a policy and endorsements approved by the Texas Department of Insurance.”

— Tex. Lab. Code § 406.051(a) — 1 case

Texas Instruments, Inc. v. Alessandro Udell (Tex. App. 2016). “” See TEX. LAB. CODE ANN. § 406.051(a), (b); Garza, 161 S.”

— Tex. Lab. Code § 406.051(b) — 3 cases

Texas Mut. Ins. Co., Hartford Underwriters Ins. Co., Tasb Risk Mgmt. Fund, Transp. Ins. Co., Truck Ins. Exch., Twin City Fire Ins. Co., Valley Forge Ins. Co. v. Phi Air Med., LLC (Tex. 2020). “”43 The court did not view Wyoming’s state fund as one that spread policyholder risk, 39 Ante at __ (“In many States, a government entity acts as the employers’ insurer, paying benefits to injured workers and reimbursing certain expenses they have incurred. In Texas, however,…”

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