Which state doesn't require Workers' Comp?

• A. California
• B. New York
• C. Texas
• D. Florida

Answer: (C)

States govern workers’ compensation differently. Some states require most employers to carry workers’ compensation insurance, creating a no‑fault system that provides medical and wage benefits to injured workers. Other states allow employers to opt into the system or operate without coverage, with remedies instead pursued through the regular civil system if an injury occurs.

Texas is the state that doesn’t mandate workers’ compensation coverage for most employers. Employers there can purchase coverage from private insurers, become self-insured, or operate without coverage (in which case employees may seek damages through the courts). This distinguishes it from California, New York, and Florida, where the majority of employers are required to have workers’ comp coverage.