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Workers' compensation insurance is optional in Texas. Employers who purchase this coverage find it a cost-effective option that can protect their companies from catastrophic loss if a work-related injury occurs. It's important to learn as much about workers' comp insurance as possible to make an informed choice.

Workers' compensation insurance is required in almost every state, including NY. It is an expense that is part of doing business. However, there are ways to lower the cost of your premiums, so they are much more affordable. While you may be required by NY state laws to carry workers' comp, you don't have to go broke paying for it.