A report shows the percentage of Texas employers without workers' compensation coverage increased from 22% in 2016 to 28% in 2018, and experts say small companies are the most likely to forgo coverage because of costs and a low number of employee injuries. PCI's Trey Gillespie said a strong economy could be one factor behind the recent Texas data, one example being that "[s]ubcontractors have historically opted out so they can bid lower to get jobs."