Texas does not have a mandatory workers’ compensation system. Eligible employers can choose to opt out of the State program and many do. Employers who opt out often purchase workers’ compensation insurance and are considered “non-subscribers.” While self-insurance and non-subscriber insurance may be sufficient for some employers, a personal injury judgment based on employer negligence can be overwhelming to most small or mid-sized businesses. Curney, Farmer, House & Osuna, P.C. knows the risks that an employer has taken by opting out and works closely with the client to develop the most effective strategy to minimize losses, including fighting in court against cases where negligence is questionable.