[TX P&C] 18. Texas Workers Compensation and Nonsubscriber Employers

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: • The distinction between subscribing and nonsubscribing employers under Texas law. • Exceptions where workers compensation coverage is legally mandatory in Texas. • How the exclusive remedy doctrine functions alongside statutory gross negligence exceptions. • The three common-law defenses forfeited by nonsubscribing employers in tort suits. • Administrative notice duties and why non-subscriber negligence claims still require proving causation. This episode provides independent educational material for learners preparing for the Texas Property and Casualty insurance license exam. For practice resources, visit https://open-exam-prep.com/practice/tx-property-casualty and check out our channel at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026: • https://tcss.legis.texas.gov/resources/LA/htm/LA.406.htm • https://www.tdi.texas.gov/wc/employer/index.html • https://www.tdi.texas.gov/consumer/index.html