People think all employers in Texas are required to carry workers’ compensation insurance. You may be surprised to learn that is not so. Employers can “opt out” of the workers’ compensation insurance system, leaving their employees without necessary coverage. Employers make that choice at their own peril. If they carry workers’ compensation, injured employees cannot sue the employer for the injury. If they opt out and don’t carry workers’ compensation, employees can sue the employer for the injury. They are called “non-subscriber” claims because they are made against employers who do not subscribe to workers’ compensation. If you have been injured on the job and your employer does not carry workers’ compensation, we at Hutchison & Foreman, PLLC may be able to help you recover.