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South Texas Non-Subscriber Claims Lawyers

Over 25 years holding non-subscriber employers accountable for job injuries across South Texas. Free consultation — you don’t pay unless we win.

Call Our South Texas Non-Subscriber Claims Attorneys

Contact us today for a free, professional case evaluation. If your employer doesn’t carry workers’ compensation insurance, you have the right to sue for full damages — with offices in San Antonio and McAllen serving all of South Texas.

Fill out the form or call us directly at 210-732-1062.

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Non Subscriber

WHEN YOUR EMPLOYER OPTS OUT

Your Employer Skipped Workers’ Comp — That Doesn’t Mean You Have No Rights

Texas is one of the only states that allows employers to opt out of the workers’ compensation system entirely. These “non-subscriber” employers avoid paying premiums, but in exchange, Texas law strips them of key legal defenses when an injured employee sues.

J.A. Davis & Associates, LLP holds non-subscriber employers fully accountable — pursuing complete compensation for medical bills, lost wages, and pain and suffering that workers’ comp would never have covered.

Injured by a Non-Subscriber Employer? We Move Fast to Build Your Case

Non-subscriber lawsuits are civil negligence claims, and the evidence you gather early can make or break your case. We act quickly to secure what the insurance company hopes disappears.

  • Confirmation of your employer’s non-subscriber status
  • Incident reports and safety records
  • Photos and video from the job site
  • Witness statements from coworkers
  • Medical records and treatment history
  • Training records and safety policy violations
  • Equipment maintenance and inspection logs
  • Wage documentation for lost income claims

ON-THE-JOB INJURIES

Injuries in Non-Subscriber Workplace Claims

Back & Spinal Injuries

Herniated discs and injuries limiting mobility.

Crush & Amputation

Severe injuries from machinery and heavy equipment.

Traumatic Brain Injuries

Head trauma requiring long-term specialist care.

Fractures & Breaks

Broken bones from falls and equipment accidents.

Burns & Chemical Exposure

Injuries from job site fires, chemicals, and gases.

Repetitive Stress

Chronic injuries from repeated motion and strain.

Electrical Injuries

Shocks and burns from unsafe electrical systems.

Fatal Workplace Accidents

Wrongful death claims for families of fallen workers.

WHY THESE CASES ARE DIFFERENT

Why Non-Subscriber Employer Defenses Don’t Hold Up in Texas Courts

Texas law removes an employer’s ability to use certain common defenses when it chooses not to carry workers’ compensation insurance — leveling the playing field for injured employees.

  • Employer cannot claim you were contributorily negligent as a full bar to recovery
  • Employer cannot argue you assumed the risk of the job
  • Employer cannot blame a coworker under the “fellow servant” rule
  • Employer must still meet its duty to provide a safe workplace
  • Employer bears the burden of proving compliance with safety standards
  • Punitive damages available for gross negligence
  • Full damages recoverable, unlike capped workers’ comp benefits

Non-Subscriber Employers in Texas

~1 in 3
Texas Employers That Are Non-Subscribers
2 Years
Statute of Limitations for a Non-Subscriber Lawsuit
$0
Upfront Cost to Hire Our Firm

Compensation for a Non-Subscriber Claim: What Can You Expect?

Economic Damages

  • Full medical expenses, past and future
  • Complete lost wages and future earning capacity
  • Rehabilitation and long-term care costs
  • Out-of-pocket expenses

Non-Economic Damages

  • Pain, suffering, and mental anguish
  • Physical impairment and disfigurement
  • Loss of enjoyment of life
  • Loss of consortium for your family

Punitive Damages

  • Gross negligence by the employer
  • Willful disregard for known safety hazards
  • Failure to correct repeated violations
  • Cases involving a workplace fatality

WHY CHOOSE US

Decades of Experience Suing Non-Subscriber Employers

Non-subscriber cases are civil lawsuits, not administrative claims — they require real litigation experience. We know how to prove employer negligence and defeat the defenses these employers try to raise anyway.

  • Confirming subscriber status through the Texas DWC
  • Immediate investigation and evidence preservation
  • Coordination with medical specialists
  • Aggressive negotiation with employers and their insurers
  • Trial-ready advocacy when a fair settlement is refused
  • No fee unless we win — zero upfront cost

South Texas Non-Subscriber Claims FAQ

You can check your employer’s status with the Texas Department of Insurance, Division of Workers’ Compensation, or ask us to confirm it for you.

Yes — if your employer doesn’t carry workers’ compensation insurance, you can file a civil negligence lawsuit against them for your injuries.

Non-subscriber employers cannot use your own negligence as a complete defense to avoid paying damages under Texas law.

Retaliation against an employee for pursuing a legal claim may itself be against the law — tell us right away if this happens.

Texas law generally gives you two years from the date of the injury to file a non-subscriber lawsuit.

You may have claims against multiple parties depending on who employed you and who else was negligent — we investigate every angle.