# Non-Subscriber Work Injuries at Costco | Attorney Brian White **Table of Contents***[*Expand*]* 1. About Costco 2. Costco’s Workers’ Compensation Insurance Solution 3. Your Rights As An Injured Costco Employee in Texas 4. Contact the Houston Workers' Compensation Lawyers at Attorney Brian White Personal Injury Lawyers For Help ![Non-Subscriber Work Injuries: Costco](https://attorneybrianwhite.com/wp-content/uploads/2018/09/Non-Subscriber-Work-Injuries-Costco-300x229.jpg) If you suffer an injury while working at Costco, you might assume the company will cover your damages through a workers’ compensation claim. Unfortunately, in the state of [Texas](https://www.texas.gov/), you might be wrong. Texas is the only state in the country that makes carrying workers’ compensation insurance optional. Your employer might carry a non-subscriber insurance policy instead – something that makes it difficult for you to receive benefits after an injury. If you were recently injured while working for Costco in Texas, contact a [Houston workers compensation lawyer.](https://attorneybrianwhite.com/) ## About Costco Costco Wholesale Group is a multi-billion-dollar retailer – second only to Walmart as the largest in the world. It is a membership-only warehouse retailer that offers ultra-low prices on goods for members. Costco has hundreds of locations worldwide and thousands of employees. Despite offering fair wages and, as the company puts it, “top-notch benefits,” Costco doesn’t cover its employees through the state workers’ compensation program. Instead, it is a non-subscriber. For a legal consultation call [(713) 500-5000](tel:+17135005000) ## Costco’s Workers’ Compensation Insurance Solution Like many of the biggest retailers in the state, Costco takes advantage of Texas’s opt-out policy to save millions in workers’ compensation costs. Costco still carries insurance, but the qualifications of receiving benefits differ from typical workers’ compensation claims. For example, Costco requires injured employees to report injuries by the end of the following business day. Employees must file incident reports within 24 hours. They must also see approved medical centers for treatment. Navigating Costco’s unique insurance policy as an injured worker can be difficult. Missing a deadline or forgetting a filing requirement could give the insurance company grounds to dismiss or deny your claim – even if you have serious, debilitating injuries. Refusing Costco’s requirement to have a drug and alcohol test after an accident could also result in losing your right to benefits. Work with a workers compensation attorney on your claim if you need assistance. Common accidents while working at Costco include slip and falls, repetitive motions injuries, strains from heavy lifting, warehouse vehicle accidents, ladder accidents, and items falling from shelves and striking workers. Costco employees may suffer broken bones, lacerations, head/brain injuries, pulled muscles, burns, illnesses, and other harms while performing work-related activities in Texas. When they seek benefits through the company’s insurer, injured employees may find that they have to jump through hoops to receive fair compensation. ## Your Rights As An Injured Costco Employee in Texas If you or a family member suffered injuries while working at a Costco location in Texas, report the accident to a supervisor immediately. Remember, you have just 24 hours to file an official incident report, and not much more to tell a supervisor what happened. Your supervisor should help you file the proper paperwork to bring a claim with the company’s workers’ compensation insurer. Obeying all the rules can put you in the best position to receive compensation benefits. Don’t give the insurance company any reason to deny your claim. Go see an approved physician or medical facility as soon as possible. Prompt medical care is important for your health and the future of your claim. Follow your claim through your employer. If approved, you should receive benefits to cover your medical costs and 85% of lost wages. If you run into issues, such as the insurer denying your claim or offering less than you believe the case is worth, a personal injury attorney in Houston can assist you. Note that unlike most states, Texas makes it legal for an employer to let an injured employee go – even if the injury happened while at work. Don’t let this impact your decision to file a claim, however. Your physical health and personal wellbeing are most important. The complexity of Texas’ workers’ compensation laws and the fact that Costco is a non-subscriber should encourage injured employees to seek help from local employment lawyers with experience handling [Costco workers’ compensation claims](https://attorneybrianwhite.com/). [Click to contact](/contact-us/) us today ## Contact the Houston Workers’ Compensation Lawyers at Attorney Brian White Personal Injury Lawyers For Help Our offices Houston — Greenway/Upper Kirby 3120 Southwest Freeway, Suite 350 Houston, TX 77098 Open 24 hours daily Call [(713) 364-1466](tel:+17133641466) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%203120%20Southwest%20Freeway%2C%20Suite%20350%2C%20Houston%2C%20TX%2077098) Houston — East Freeway 11811 East Freeway, Suite 630-06 Houston, TX 77029 Open 24 hours daily Call [(713) 609-1893](tel:+17136091893) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011811%20East%20Freeway%2C%20Suite%20630-06%2C%20Houston%2C%20TX%2077029) Houston — South Loop 2600 South Loop West, Suite 293 Houston, TX 77054 Open 24 hours daily Call [(713) 281-4904](tel:+17132814904) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%202600%20South%20Loop%20West%2C%20Suite%20293%2C%20Houston%2C%20TX%2077054) Houston — Katy Freeway 11511 Katy Fwy, Suite 515 Houston, TX 77079 Open 24 hours daily Call [(713) 909-7537](tel:+17139097537) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011511%20Katy%20Fwy%2C%20Suite%20515%2C%20Houston%2C%20TX%2077079) Houston — Clear Lake 1300 Bay Area Blvd, Suite B268 Houston, TX 77058 By appointment only Call [(936) 508-2854](tel:+19365082854) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201300%20Bay%20Area%20Blvd%2C%20Suite%20B268%2C%20Houston%2C%20TX%2077058) The Woodlands 1776 Woodstead Ct, Ste. 203 The Woodlands, TX 77380 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201776%20Woodstead%20Ct%2C%20Ste.%20203%2C%20The%20Woodlands%2C%20TX%2077380) Champion Forest (Cypress) 4606 FM 1960 Rd W, Ste. 444 Houston, TX 77069 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%204606%20FM%201960%20Rd%20W%2C%20Ste.%20444%2C%20Houston%2C%20TX%2077069) --- ### About the Author Brian White ![About the Author Brian White](https://attorneybrianwhite.com/wp-content/uploads/2024/12/brian-white-houston-personal-injury-lawyer-300x300.jpg) [Brian White](https://attorneybrianwhite.com/about/our-attorneys/brian-white/) earned his J.D. from South Texas College of Law in Houston and is licensed to practice in Texas. He is a [Board-Certified](https://attorneybrianwhite.com/resources/brian-white-is-board-certified-in-personal-injury-trial-law/) Personal Injury Trial Lawyer. Dedicated to giving back, he actively supports local charities and [community initiatives](https://attorneybrianwhite.com/about/community-involvement/). [Client testimonials](https://attorneybrianwhite.com/about/testimonials/) highlight Brian’s compassion, open communication, and dedication to achieving the best outcomes for those he represents. [Avvo](https://www.avvo.com/attorneys/77098-tx-brian-white-74113.html) / [Justia](https://lawyers.justia.com/lawyer/brian-elliott-white-201630) / [Linkedin](https://www.linkedin.com/in/attorney-brian-white-378410166) / [Facebook](https://www.facebook.com/BrianWhiteLawFirm/) / [Youtube](https://www.youtube.com/channel/UCDdkDcGkbY2GFTzpeTWypFQ) / [Instagram](https://www.instagram.com/attorneybrianwhite/?hl=en) / [Yelp](https://www.yelp.com/biz/brian-white-and-associates-houston) / Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Workplace Accidents Blog Posts: [![What You Should Know About Underwater and Hyperbaric Welding](https://attorneybrianwhite.com/wp-content/uploads/2025/04/Underwater-and-Hyperbaric-Welding-300x200.jpg)](https://attorneybrianwhite.com/blog/what-you-should-know-about-underwater-and-hyperbaric-welding/) [What You Should Know About Underwater and Hyperbaric Welding](https://attorneybrianwhite.com/blog/what-you-should-know-about-underwater-and-hyperbaric-welding/) Underwater and hyperbaric welding are some of the most dangerous jobs in the maritime industry. These types of welding [![Worker Killed in Houston Texas Tunnel Accident](https://attorneybrianwhite.com/wp-content/uploads/2020/09/Worker-Killed-in-Houston-Texas-Tunnel-Accident-300x200.jpg)](https://attorneybrianwhite.com/blog/worker-killed-in-houston-tunnel-accident/) [Worker Killed in Houston Tunnel Accident](https://attorneybrianwhite.com/blog/worker-killed-in-houston-tunnel-accident/) The Houston Fire Department confirmed that a worker died in an accident in northeast Harris County. The worker died at [![7 of the Most Common Work-Related Injuries](https://attorneybrianwhite.com/wp-content/uploads/2022/11/7-of-the-Most-Common-Work-Related-Injuries-300x200.jpg)](https://attorneybrianwhite.com/blog/7-of-the-most-common-work-related-injuries/) [7 of the Most Common Work-Related Injuries](https://attorneybrianwhite.com/blog/7-of-the-most-common-work-related-injuries/) When it comes to personal injury claims, workplace injuries are some of the most common throughout Texas. [![https://attorneybrianwhite.com/blog/minimum-amount-of-auto-insurance-coverage-required-in-texas/](https://attorneybrianwhite.com/wp-content/uploads/2024/01/Most-Dangerous-Jobs-in-the-U.S.-According-to-OSHA-1-300x200.jpg)](https://attorneybrianwhite.com/blog/most-dangerous-jobs-in-the-us-according-to-osha/) [Most Dangerous Jobs in the U.S. According to OSHA](https://attorneybrianwhite.com/blog/most-dangerous-jobs-in-the-us-according-to-osha/) It’s no secret that certain careers are riskier than others. Wondering if your job is one of the riskiest in --- Source: https://attorneybrianwhite.com/blog/non-subscriber-work-injuries-at-costco/