Protection for employers who choose not to participate in their state's Workers' Compensation Act.


On-the-job injuries can be costly to an employer. Great American’s ECA Division provides protection to Texas employers who opt out of the state Workers’ Compensation system. Our Employer’s Indemnity insurance can provide the flexible financial protection you need, at prices you can afford.

The policy is designed to provide benefits for:

  • Medical Expenses
  • Wage Replacement
  • Accidental Death & Dismemberment
  • Legal defense costs

The bottom line is...

  • You can control your costs and claims
  • You can protect your business and your employees

It’s easier than you think! We have more than 270 years of combined employee experience focused on Workers’ Compensation alternatives, and we can guide you every step of the way.

Texas Nonsubsciption can be a good choice for many employers, especially those in the following industries: 

  • Agriculture
  • Arts/Entertainment/Accommodation/Food Services
  • Finance/Real Estate/Professional Services
  • Health Care/Educational Services
  • Manufacturing
  • Mining/Utilities/Construction
  • Wholesale Trade/Retail Trade/Transportation​​
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