Texas-Specific · Insurance Term
Texas Division of Workers' Compensation (DWC)
Definition
The Texas Division of Workers' Compensation (DWC) is the part of the Texas Department of Insurance that runs the state's workers' comp system. It sets rules for benefits and medical care, resolves disputes, and receives required notices and injury reports from employers that do not carry coverage (non-subscribers).
In Plain English
If you carry workers' compensation insurance, DWC rules govern how injured employees receive benefits, and you report qualifying injuries to your insurer. DWC also handles disputes between workers and insurers.
If you choose not to carry coverage, you are a Texas Non-Subscriber. DWC requires non-subscribers to file a notice of non-coverage, using DWC Form-005, and to report certain injuries, illnesses and deaths directly to DWC.
DWC also offers employers free safety consultations and return-to-work resources.
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Why It Matters for Texas Property Owners
Texas is unusual because most private employers can choose whether to carry workers' comp. DWC is where both paths, insured and non-subscriber, meet state reporting rules.
What to Watch For
- If you are a non-subscriber, file DWC Form-005 and post the required employee notices.
- Know which injuries you must report and to whom.
- Ask whether DWC's free safety consultation program fits your property operations.
Sources
Last updated October 14, 2026 · Primesure editorial team · How We Write