Legal Question in Workers Comp in Texas

Texas is the only state which has not required employers to carry work comp or any insurance for employees..hence, pro business...Oklahoma and othere good business states try to join Texas but seem to require 'some' type of insurance. But in Texas..u can be sued for not having work comp insurance. Texas Work Comp office brags that accidents covered by such insurance has declined substantially....while new employees increase..so why the decline? It would seem to be because most employers are taking the risk that killing or injuring employees will not be a catastrophic loss...ie..convince people it is a sin to sue...so what is the risk..Hence, most stores as Kroger, Lowe's don't have WC..and Walmart does but is to drop as of April 1...