HCBeck, Ltd. v. Rice

delivered the opinion of the Court,

The purpose of the Texas Workers’ Compensation Act is to provide employees with certainty that their medical bills and lost wages will be covered if they are injured. An employee benefits from workers’ compensation insurance because it saves the time and litigation expense inherent in proving fault in a common law tort claim. But a subscribing employer also receives a benefit because it is then entitled to assert the statutory exclusive remedy defense against the tort claims of its employees for job related injuries. This exclusive remedy defense provided to subscribing employers is also afforded to a general contractor if, pursuant to a written agreement, it “provides” workers’ compensation insurance coverage to the subcontractor and its employees. See Tex. Lab. Code §§ 406.123(a), 408.001(a).

In this case, we consider the extent to which a general contractor must “provide” workers’ compensation insurance under the Act to qualify for statutory employer status and the resulting immunity from the work-related claims of a subcontractor’s employees. See Tex. Lab.Code §§ 406.123(a), 408.001(a). The court of appeals held that a general contractor does not “provide” coverage in the manner contemplated by section 406.123(a) when its written agreement with the subcontractor requires only that the subcontractor enroll in the site owner’s workers’ compensation insurance plan. 284 S.W.3d 361. We disagree. A general workplace insurance plan that binds a general contractor to provide workers’ compensation insurance for its subcontractors and its subcontractors’ employees achieves the Legislature’s objective to ensure that the subcontractors’ employees receive the benefit of workers’ compensation insurance. Accordingly, we reverse the court of appeals’ judgment.

I

FMR Texas Ltd. (FMR) contracted with HCBeck, Ltd. to construct an office campus on FMR’s property. One of the features of this contract (the Construction Management Agreement, or the Agreement) was a workers’ compensation insurance plan provided by FMR that covered the work site. The Agreement required this insurance plan, part of an owner controlled insurance program (OCIP), together with its corresponding OCIP Handbook, to be incorporated into all construction contracts entered into by HCBeck with any subcontractors. The Agreement described the manner in which FMR would provide insurance on the project:

Prior to commencement of the Work, the Owner [FMR], at its option and cost, may secure and thereafter, except as otherwise provided herein, maintain at all times during the performance of this Agreement [workers’ compensation insurance] ... with the Owner, the Construction Manager [HCBeck], subcontractors, and such other persons or interests as the owner may name as insured parties....

HCBeck and all subcontractors working on the project were required to enroll in the OCIP. As each contractor enrolled in the OCIP, FMR’s insurance representative would designate the contractor “insured” for workers’ compensation and other insur-*351anee coverage, and an individual policy would be issued in the enrolled contractor’s name. The Agreement permitted FMR to terminate or modify the OCIP at any time. But in the event FMR decided to terminate the OCIP, an alternate insurance provision in the Agreement required HCBeck to secure, at FMR’s cost, other insurance covering itself and all subcontractors and employees at the same level as the workers’ compensation coverage required in the OCIP.

Pursuant to the terms of the OCIP, FMR purchased workers’ compensation insurance to cover the construction project and paid the premiums. Meanwhile, HCBeck entered into a subcontract with Haley Greer. The subcontract recognized that the project was covered by FMR’s OCIP and further incorporated the insurance provisions contained in FMR’s original contract with HCBeck. As mandated by the original contract, the subcontract required that Haley Greer apply for and enroll in FMR’s OCIP. Haley Greer then enrolled in the OCIP, and a separate workers’ compensation insurance policy was issued in Haley Greer’s name.

Charles Rice, Haley Greer’s employee, was injured while working on the construction project. Rice made claim upon and received workers’ compensation benefits under the policy issued to Haley Greer pursuant to FMR’s OCIP. He then filed a negligence suit against HCBeck. HCBeck moved for summary judgment claiming that its original contract with FMR specified that FMR’s OCIP “shall” apply to all work at the project performed by HCBeck and subcontractors and, but for HCBeck’s subcontract with Haley Greer, Rice would not be working on a project that contractually provided workers’ compensation insurance covering Haley Greer’s employees. HCBeck therefore maintained that it “provided” workers’ compensation insurance to Haley Greer as permitted by section 406.123(a) of the Act, and consequently was a statutory employer entitled to immunity from common law liability claims brought by Haley Greer’s employees. See Tex. Lab.Code § 406.123(e). HCBeck argued that Rice’s exclusive remedy should be the workers’ compensation benefits already received. See id. § 408.001(a). Rice, on the other hand, contended that the subcontract between HCBeck and Haley Greer obligated Haley Greer — not HCBeck — to provide its own coverage in the event that FMR terminated its OCIP. Since the workers’ compensation insurance for Haley Greer’s employees came at no cost to HCBeck, Rice argued that HCBeck did not “provide” insurance and was therefore not qualified under the Act as a statutory employer entitled to the exclusive remedy defense.

The trial court granted HCBeck’s motion for summary judgment and denied Rice’s reciprocal cross-motion for partial summary judgment. The court of appeals, however, held that “HCBeck’s contract with Haley Greer — which simply incorporated FMR’s OCIP into the subcontract under the direct order of FMR in its contract with HCBeck — is insufficient to constitute ‘providing’ workers’ compensation insurance to Haley Greer.” 284 S.W.3d at 384, 2006 WL 908761 at *4. HCBeck petitioned this Court on the question of whether, through its contractual arrangements with FMR and Haley Greer, it “provided” insurance to Haley Greer so as to qualify for immunity from common law liability claims. See Tex. Lab.Code §§ 406.123(a), 408.001(a). We hold that HCBeck “provides” workers’ compensation insurance under the Act because the insurance plan incorporated into both its upstream contract with FMR and its downstream subcontract with Haley Greer included workers’ compensation coverage to Haley Greer’s employees, and because the con*352tracts specify that HCBeck is ultimately responsible for obtaining alternate workers’ compensation insurance in the event FMR terminated the OCIP. Accordingly, we conclude that HCBeck is Rice’s statutory employer under section 406.123(e), and Rice’s exclusive remedy is the workers’ compensation benefits he has already received. Id. § 408.001(a).

II

We review a trial court’s summary judgment de novo. Valence Operating Co. v. Dorsett, 164 S.W.3d 656, 661 (Tex.2005). When, as here, both parties file a motion for summary judgment with the trial court, and one is granted and one is denied, the reviewing court determines all questions presented and renders the judgment that should have been rendered by the trial court. Tex. Workers’ Comp. Comm’n v. Patient Advocates of Tex., 136 S.W.3d 643, 648 (Tex.2004). Statutory construction is a legal question, which is reviewed de novo to ascertain and give effect to the Legislature’s intent. F.F.P. Operating PaHners, L.P. v. Duenez, 237 S.W.3d 680, 683 (Tex.2007). To discern that intent, we must begin with the “plain and common meaning of the statute’s words.” Tex. Dep’t of Transp. v. City of Sunset Valley, 146 S.W.3d 637, 642 (Tex. 2004). We also consider the objective the Legislature sought to achieve through the statute, as well as the consequences of a particular construction. Id.; see also Tex. Gov’t Code § 311.023(1), (5).

III

Under the Workers’ Compensation Act, a “general contractor and a subcontractor may enter into a written agreement under which the general contractor provides workers’ compensation insurance coverage to the subcontractor and the employees of the subcontractor.” Tex. Lab. Code § 406.123(a). If the general contractor “provides” workers’ compensation insurance, it becomes a statutory employer of the subcontractor’s employees. See id. § 406.123(e) (“An agreement under this section makes the general contractor the employer of the subcontractor and the subcontractor’s employees.... ”). Such an employer is immune from claims brought by a subcontractor’s employee because the employee’s exclusive remedy is his workers’ compensation benefits. Id. § 408.001(a). It is undisputed that HCBeck is a general contractor. See id. § 406.121(1) (defining a general contractor as “a person who undertakes to procure the performance of work or a service, either separately or through the use of subcontractors”). Thus, the only question is whether the agreement between this general contractor and this subcontractor “provides” workers’ compensation in a manner that makes HCBeck a statutory employer immune from liability under section 408.001(a).

The OCIP administered and paid for by FMR provided workers’ compensation insurance coverage to all contractors and their employees working at FMR’s job site. Rice claims HCBeck does not qualify as a statutory employer because, by the terms of the subcontract between HCBeck and Haley Greer, HCBeck was never obligated to provide workers’ compensation insurance coverage to Haley Greer or its employees in the event FMR opted to terminate the OCIP. Both the original FMR/HCBeck contract and the HCBeck/Haley Greer subcontract state that FMR may terminate its OCIP at any time, but in that event, the contractors must obtain “alternate insurance.” As between the general contract and the subcontract, the alternate insurance provisions are slightly different, but they outline the manner in which employees are to be covered if FMR decided to terminate the *353OCIP. Rice points to the alternate insurance paragraph in the HCBeck/Haley Greer subcontract to show that HCBeck was never actually required to provide workers’ compensation coverage to Haley Greer and its employees. The paragraph states:

ALTERNATE INSURANCE: The Owner [FMR] is not required to furnish the OCIP. If [FMR] elects to terminate the OCIP at any time, [FMR] will give subcontractor written notice. In the event of OCIP termination, Subcontractor and lower-tier subcontractors will be required to provide Alternate Insurance. Alternate Insurance is the coverage required by the [FMR/HCBeck] Contract Documents if the OCIP is not in force or does not apply.

Rice argues that, if the OCIP is terminated, this provision places the obligation of obtaining workers’ compensation insurance for his benefit on his own employer, Haley Greer, and not HCBeck. But although such an interpretation could be gleaned from the paragraph if its third sentence is considered in isolation, the last sentence specifically requires the parties to refer to the FMR/HCBeck contract documents “if the OCIP is not in force or does not apply.” That alternate insurance paragraph states:

If [FMR] elects to exclude this Agreement, or any portion thereof, from the OCIP or for any reason [FMR] is unable or unwilling to furnish [the OCIP] ... the Construction Manager shall secure such insurance at the Owner’s cost....

This paragraph makes it clear that HCBeck is contractually obligated to obtain the insurance to cover the employees on the job site because it specifies that HCBeck, who was identified in the contract as the Construction Manager, “shall” secure the alternate insurance. Moreover, the OCIP Handbook states that “Contractors will be required to provide on-site [insurance” in the event of OCIP termination.1 When read together, these provisions outline a contingency plan in the event FMR exercises its contractual right to opt out of its obligation to provide workers’ compensation insurance coverage, and that plan charges HCBeck with the responsibility of providing alternate insurance, not Haley Greer.

The dissent contends that HCBeck did not “provide” workers’ compensation because “HCBeck did not agree to procure workers’ compensation insurance in force for Haley Greer, nor did it agree to pay or somehow obligate itself to pay the premiums, or otherwise assure the workers’ compensation coverage Haley Greer had in effect when Rice was injured.” 284 S.W.3d at 362. But HCBeck complied in all respects with the provision in the Act that expressly allows it to enter into a written agreement to provide workers’ compensation insurance to its subcontractors and their employees. Tex. Lab.Code § 406.123(a). That provision does not require a general contractor to actually obtain the insurance, or even pay for it directly. The Act only requires that there be a written agreement to provide workers’ compensation insurance coverage. Id. In this case, the coverage that was actually provided to Haley Greer by FMR under *354the agreement was backed by HCBeck’s specific obligation assuring that Haley Greer remained covered in the event FMR decided to discontinue its OCIP.

HCBeck’s obligation is further strengthened by its own interest in maintaining its statutory defenses against claims by Haley Greer’s employees. The dissent argues that contracting for coverage does not equate to “providing” because there is no assurance that the general contractor will not abandon its obligation and leave the employee at risk of uncovered injury. But there is no guarantee that any employer will provide workers’ compensation for its employees. The law does not require it, although public policy strongly encourages it. Employers that elect to carry workers’ compensation coverage more than likely do so because the Act includes incentives for employers who provide it for their employees. The most obvious incentive, of course, is that employers are immunized from negligence liability for workplace injuries to their employees. See id. § 408.001(a). But an employer is always free, for whatever reason, to discontinue workers’ compensation insurance. See id. § 406.005 (“An employer shall notify each employee as provided by this section whether or not the employer has workers’ compensation insurance coverage.”) (emphasis added). When that happens, the employer loses its exclusive remedy defense. The same result applies to the general contractor who has, pursuant to a written agreement, purchased a workers’ compensation insurance policy covering its subcontractors and its subcontractors’ employees. When it does so, the general contractor becomes the statutory employer of its subcontractor’s employees, and is thus entitled to the benefits conferred on employers by the Act. See id. § 406.123(e). But a general contractor who makes such an agreement is no more required to continue providing workers’ compensation insurance than is FMR, or HCBeck, or Haley Greer in this case. The general contractor workers’ compensation insurance plan simply offers certain benefits to parties who seek its advantages, but which benefits the parties may elect to forego. We conclude that HCBeck provided workers’ compensation insurance to Haley Greer and its employees by way of FMR’s written OCIP.

IV

In a variation of the dissent’s position that HCBeck has not sufficiently involved itself in the actual purchase of Haley Greer’s workers’ compensation insurance to gain any advantage by it, the court of appeals concluded that HCBeck did not “provide” workers’ compensation because, it says, the subcontract called for Haley Greer to obtain its own alternate insurance if FMR terminated the OCIP. 284 S.W.3d at 384, 2006 WL 908761 at *4,. It is true that if the OCIP was terminated, and HCBeck failed to obtain alternate workers’ compensation insurance in its place, Haley Greer would have had to obtain workers’ compensation insurance on its own in order to cover its employees. But the fear that an employee like Charles Rice might then be left uninsured by the failure of HCBeck to obtain workers’ compensation insurance for Haley Greer as it had promised is a concern that would exist whether or not there was an OCIP or other written agreement to provide coverage. Even if Haley Greer had no workers’ compensation insurance, Rice would not be without a remedy. He would have the right to sue FMR, Haley Greer and HCBeck in tort. But the scenario the court of appeals lays out never happened. In reality, Haley Greer was covered by workers’ compensation insurance and Rice collected workers’ compensation benefits from FMR’s OCIP. But the court of appeals held that, on the *355mere possibility that Haley Greer might have had to secure alternate insurance on its own if the OCIP was terminated, HCBeck should not be permitted the benefit of statutory employer status under the Act. 284 S.W.3cl at 384, 2006 WL 908761 at *4. We conclude, however, that HCBeck would still qualify as a statutory employer because it “provided” workers’ compensation insurance by virtue of its written agreement to either buy the insurance itself, or compensate Haley Greer for any “insurance premiums ... and all things necessary for the complete performance of the Work ... includ[ing] all other expenses and costs required to completely perform the Work in accordance with the Contract Documents.” This defined “Subcontract Amount,” found in HCBeek’s contract with Haley Greer, ensures that Haley Greer will never bear the financial obligation of the alternate insurance. Whether or not HCBeck can ultimately recover that expense from FMR is irrelevant: what matters is that HCBeck is contractually bound to both parties to provide alternate insurance, and also financially bound to Haley Greer to pay even if it does not make the purchase itself. All of these steps serve as ample evidence that HCBeck goes beyond merely “requiring” enrollment in the OCIP. Moreover, this evidence negates the court of appeals’ conclusion that there is no evidence HCBeck would provide Haley Greer with alternate insurance upon OCIP termination.

V

The dissent would hold that a general contractor “provides” insurance if the contractor “puts something in the pot,” or “contributes something of value for statutory immunity.” 284 S.W.3d at 364. Specifically, the dissent would require that the general contractor “assure (1) the subcontractor is insured, and (2) the insurance will not lapse without the contractor allowing it to do so.” Id. But HCBeck meets this test. HCBeck has satisfied the first prong because the HCBeck/Haley Greer subcontract covers Haley Greer with its own insurance policy via FMR’s OCIP. Without HCBeck acting as a “conduit,” as the dissent says, Haley Greer may not have been able to qualify for the project. Indeed, an OCIP helps makes insurance available to subcontractors, as the wider availability of insurance under an OCIP enhances the use of smaller contractors on projects. See Jacqueline P. Sirany & James Duffy O’Connor, Controlled Construction Insurance Programs: Putting a Ribbon on Wrap-Ups, 22 WTR Constr. Law 30, 30 n. 3 (2002). But HCBeck does not stop at simply requiring Haley Greer to enroll in the OCIP — it also meets the second prong of the dissent’s test. HCBeck agrees that it “shall” secure workers’ compensation insurance if FMR’s OCIP is no longer in place. The dissent claims that HCBeck does not adequately “assure” coverage remains in place by taking such actions as directly paying or guaranteeing payment of the premium, 284 S.W.3d at 355, but we think HCBeck does, in effect, act as guaranty to the policy premium by virtue of the “Subcontract Amount” in the contract that it has agreed to pay Haley Greer for the entire project. No matter who secures the workers’ compensation upon OCIP termination — whether it be HCBeck or Haley Greer — that “Subcontract Amount” provision guarantees that HCBeck will pay the premiums and, thus, “put something in the pot.” The onus of ensuring the insurance will not lapse is placed on HCBeck, just as the dissent would require.

VI

The point of disagreement lies between two plausible interpretations of the term “provide.” One plausible interpretation is *356that the Legislature must have intended to exclude from statutory employer status the “conduit” between the owner-subscriber and the subcontractor. Another interpretation is that the Legislature must have contemplated the scenario in which the “conduit,” itself, “provides” the workers’ compensation by connecting the subcontractor to the monied party most able to pay. If we assume that both of these interpretations are reasonable, we are guided by the following aid to statutory construction:

In construing a statute, whether or not the statute is considered ambiguous on its face, a court may consider among other matters the: (1) object sought to be attained; (2) circumstances under which the statute was enacted; (3) legislative history; (4) common law or former statutory provisions, including laws on the same or similar subjects; (5) consequences of a particular construction; (6) administrative construction of the statute; and (7) title (caption), preamble, and emergency provision.

Tex. Gov’t Code § 311.023; see also id. § 312.005 (“In interpreting a statute, a court shall diligently attempt to ascertain legislative intent and shall consider at all times the old law, the evil, and the remedy.”). Consideration of these factors leads to the conclusion that the “old law, the evil, and the remedy” is best served by adopting the latter, inclusive, interpretation of the statute. See id. § 312.005.

First, the “object sought to be attained” has always been simple: to ensure coverage of subcontractors and their employees. See Act of May 28, 1983, 68th Leg., R.S., ch. 950, 1983 Tex. Gen. Laws 5210, 5210 (captioning the legislation as “relating to workers’ compensation insurance coverage of subcontractors”). In this case, all of the parties agree that Rice was, in fact, insured when he was injured. The dissent agrees that “this matter should be determined by what actually happened, not what might have happened.” 284 S.W.3d at 363. If that is true, then the inquiry might properly end with the fact that no contingency plan for alternate insurance needed to be activated because FMR’s OCIP was in place with all premiums paid up at the time that Rice was injured. Rice collected benefits from that very policy. Indeed, it is the dissent’s view that rests solely on what might happen: if FMR’s OCIP terminated, and if HCBeck then failed to purchase coverage for Haley Greer, and if Haley Greer did not purchase alternate coverage on its own, then Rice would be left uncovered. The “object sought to be attained” is best achieved through the use of an OCIP which provides a greater degree of certainty that a subcontractor’s employee will be covered by workers’ compensation insurance. See Sirany, swpra, at 30 (noting one benefit of an OCIP as “improved insurance coverages”).

Second, we consider the legislative history and the circumstances under which the statute was enacted. Tex. Gov’t Code § 311.023. For almost one hundred years, the Act has contemplated that subcontractors can be covered by workers’ compensation insurance purchased by others. In 1917, the Act included a provision that was designed to prevent subscribers from escaping liability by hiring subcontractors to perform the same work: *357of this Act to be the employe[e] of the subscriber, and in addition thereto such employe[e] shall have an independent right of action against such sub-contractor, which shall in no way be affected by any compensation to be received by him under the terms and provisions of this Act.

*356If any subscriber to this Act with the purpose and intention of avoiding any liability imposed by the terms of the Act sublets the whole or any part of the work to be performed or done by said subscriber to any sub-contractor, then in the event any employe[e] of such subcontractor sustains an injury in the course of his employment he shall be deemed to be and taken for all purposes

*357Act of Mar. 28, 1917, 35th Leg., R.S., ch. 103, § 1, Part II, sec. 6, 1917 Tex. Gen. Laws 269, 284-85. By using of the term, “subscriber,” the Legislature clearly intended that statutory employer status could only be claimed by one who purchased the workers’ compensation policy. But when the Legislature enacted the written agreement provision in 1983, it kept the above provision and added three others: (a) the written agreement provision itself; (b) a definition for subcontractor; and (c) a definition for prime contractor. Id. The dissent urges a throwback interpretation — that one must essentially be a purchaser; i.e., a subscriber, to claim the statutory employer benefit. But this interpretation ignores the fact that the Legislature added the “prime contractor” provision, yet kept the term “subscriber” in the very same act. Act of May 28,1983, 68th Leg., R.S., ch. 950, § 1, sec. 6(a), 1983 Tex. Gen. Laws 5210, 5210. With regard to the written agreement section specifically, the Legislature chose to use the term, “prime contractor,” as opposed to “subscriber:”

A subcontractor and prime contractor may make a written contract whereby the prime contractor will provide workers’ compensation benefits to the subcontractor and to employees of the subcontractor .... [T]he contract may provide that the actual premiums (based on payroll) paid or incurred by the prime contractor for workers’ compensation insurance coverage for the sub-contractor and employees of the subcontractor may be deducted from the contract price or any other monies owed to the sub-contractor by the prime contractor. In any such contract, the subcontractor and his employees shall be considered employees of the prime contractor only for purposes of the workers’ compensation laws of this state ... and for no other purpose.

Act of May 28, 1983, 68th Leg., R.S., ch. 950, § 1, sec. 6(c), (d), 1983 Tex. Gen. Laws 5210, 5210-11. It is significant that the Legislature did not specify that only “subscribers” could enter into written agreements to provide workers’ compensation to subcontractors; instead, it added a new term, “prime contractor.”2 This indicates that the Legislature must have contemplated that the entity that has subscribed to the blanket policy, and the entity that “has undertaken to procure the performance of work or services,” could be different. Other than allowing for the possibility that there could be an owner-subscriber and a separate general contractor, the Legislature made no further distinctions between the two, for it would be equally bad for the general contractor to leave the subcontractor’s employees without coverage as it would for the owner who purchases the OCIP. See Entergy Gulf States, Inc. v. Summers, 282 S.W.3d 433 (Tex.2009). For if no policy is in place, then neither the owner nor the general contractor would qualify as a statutory employer entitled to the exclusive rem*358edy defense. See Tex. Lab.Code § 406.123(a), (e).

Further, the second sentence of the written agreement provision allows the prime contractor to deduct the actual premiums from the subcontractor.3 In this case, HCBeck contracted to pay for Haley Greer’s insurance through its agreement to pay the “Subcontract Amount,” as opposed to contractually deducting premiums from Haley Greer’s subcontract as contemplated by the statute. But there is no real distinction between the two methods for paying the insurance premium — it is simply accounting. In either case, the reality is that HCBeck was actually paying for the workers’ compensation insurance — further evidence that HCBeck has gone beyond merely “requiring” Haley Greer to enroll in FMR’s OCIP.

Next, to determine intent, we look to “the common law or other or former statutory provisions, including laws on the same or similar subjects.” Tex. Gov’t Code § 311.023. We have previously expressed our understanding of the purpose behind the exclusive remedy defense:

The workers’ compensation act was adopted to provide prompt remuneration to employees who sustain injuries in the course and scope of their employment. ... The act relieves employees of the burden of proving their employer’s negligence, and instead provides timely compensation for injuries sustained on-the-job.... In exchange for this prompt recovery, the act prohibits an employee from seeking common-law remedies from his employer, as well as his employer’s agents, servants, and employees, for personal injuries sustained in the course and scope of his employment.

Wingfoot Enters, v. Alvarado, 111 S.W.3d 134, 142 (Tex.2003) (quoting Hughes Wood Prods., Inc. v. Wagner, 18 S.W.3d 202, 206-07 (Tex.2000)). In the same case, we also recognized a “decided bias” for coverage, and we articulated a construction of the written agreement provision that mirrors the facts of this very case:

[The written agreement] legislation was construed to mean that when a premises owner agree[s] to procure workers’ compensation coverage for its general contractor and the general contractor’s subcontractor, a negligence suit by the subcontractor’s employee against both the general contractor and the subcontractor [is] barred by the exclusive remedy provision....

Wingfoot, 111 S.W.3d at 140, 142 (citing Williams v. Brown & Root, Inc., 947 S.W.2d 673, 675-77 (Tex.App.-Texarkana 1997, no writ)). Furthermore, several of the courts of appeals have concluded that a general contractor “provides” workers’ compensation insurance even if the premises owner pays for the policy. See, e.g., Hunt Const. Group, Inc. v. Konecny, — S.W.3d -,-, 2008 WL 5102276, *6 (Tex.App.-Houston [1st Dist.] Dec. 4, 2008, no pet.) (“Had the Legislature intended for ‘provide’ to mean ‘purchase,’ it could simply have used the word ‘purchase’ instead.”); Funes v. Eldridge Elec. Co., 270 S.W.3d 666, 672 (Tex.App.-San Antonio 2008, no pet.) (“to hold that the general contractor did not ‘provide’ the insurance would preclude protection of the general contractor, whom the Legislature clearly intended to protect under subsections *359406.123(a) and (e)”).4 Although not binding on us, these interpretations are persuasive on the point that multi-tiered contractor relationships are prevalent throughout Texas, and that interpreting the statute in a way that favors blanket coverage to all workers on a site aligns more closely with the Legislature’s “decided bias” for coverage. Wingfoot, 111 S.W.3d at 140; see also Etie v. Walsh & Albert Co., Ltd., 135 S.W.3d 764, 768 (Tex. App.-Houston [1st Dist.] 2004, pet. denied). The OCIP, designed by FMR to assure that workers’ compensation insurance coverage was provided to all the workers on its construction project — including employees of contractors and subcontractors — is consistent with our articulation of the intent and purpose of the workers’ compensation statute.

Finally, we consider the consequences of a particular construction. Tex. Gov’t Code § 311.023. Holding that HCBeck “provides” workers’ compensation, even when it has not purchased the insurance directly, would allow multiple tiers of subcontractors to qualify as statutory employers entitled to the exclusive remedy defense. Such a scheme seems consistent with the benefits offered by controlled insurance programs, which are designed to minimize the risk that the subcontractors’ employees will be left uncovered.5 On the other hand, holding that HCBeck does not “provide” workers’ compensation because it has not directly paid for or somehow guaranteed payment of the policy via a line of credit would thwart the usefulness of controlled insurance programs that allow the highest-tiered entity to ensure quality and uninterrupted coverage to the lowest-tiered employees.6 It is not clear, either from the court of appeals’ holding or the dissent, what kind of guarantee would be required of a general contractor to adequately “provide” workers’ compensation insurance coverage to secure the exclusive remedy defense in the absence of directly obtaining and paying for workers’ compensation coverage for its subcontractor’s employees. But if actually buying workers’ *360compensation insurance is the only approved method of availing oneself of an immunity defense, then it makes no sense that the Legislature would enact an insuring scheme designed to promote the coverage of the lowest-tiered employees, only to require, in the end, employers who want the immunity defense to purchase workers’ compensation insurance policies on the same employees at the same work site. Such a scheme defeats the entire purpose of seeming a blanket OCIP and results in duplicative coverage and inefficient use of resources.7

VII

We conclude that the Texas workers’ compensation insurance scheme, as enacted by the Legislature, was intended to make the exclusive remedy defense available to a general contractor who, by use of a written agreement with the owner and subcontractors, provides workers’ compensation insurance coverage to its subcontractors and the subcontractors’ employees. The OCIP in this case, established and paid for by FMR pursuant to its contract with HCBeek, qualifies under the Act as “providing” workers’ compensation insurance to subcontractors in a manner that is consistent with section 406.123(a). HCBeek, having “provided” the coverage to Haley Greer and its employees by virtue of the OCIP, and having otherwise satisfied the Act’s requirements to qualify as a statutory employer, should be afforded the Act’s employer benefits; ie., the exclusive remedy defense against Rice’s negligence claims.

Accordingly, we reverse the court of appeals’s judgment and render judgment in favor of HCBeck.