Texas Mutual Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Texas Mutual writes workers’ compensation in Texas and presents a broad voluntary appetite, stating it is ready and willing to write any business and works with all premium bands, from small business to large accounts and premier programs. Geographic focus is Texas employers; the carrier also notes it can facilitate out-of-state coverage for qualifying policyholders, but the core appetite and platform are Texas workers’ comp. For standard voluntary business, preferred submissions are complete online applications through Texas Mutual Online/Internet Quoting, which the carrier says is the fastest path and that about 90% of online submissions receive an immediate quote. Required submission data generally includes FEIN or SSN, class code and NAICS/SIC details, years in business, physical address/ZIP for each location, estimated payroll, loss experience, four years of premium/payroll/loss history, current loss runs or a statement of no prior coverage, experience mod worksheet if applicable, cover letter for special account details, and supplemental applications when required. Alternate submission channels are email to apps@texasmutual.com, fax to (800) 359-0650, or mail to underwriting in Austin. Agent access requires registration and creation of a Texas Mutual Online account; any licensed agent can write with Texas Mutual, and new agency setup typically takes about three business days. Notable producer guidance: use Internet Quoting for speed, agents can access client loss runs and billing through TMO, and questions can be directed to the assigned underwriter or territory manager or to agents@texasmutual.com. Restricted/declined business is not expressed as a traditional class-by-class decline list on the verified appetite page; instead, Texas Mutual indicates risks that do not meet voluntary underwriting standards because of poor loss history, inadequate safety programs, or uncontrolled catastrophic exposures may be considered for its Start Program rather than the voluntary market. Start Program business carries higher-premium implications and limited employer’s liability limits, and requires a more detailed package: signed ACORD 130 plus Start supplemental, hard-copy 4-year loss runs valued within 120 days, recent federal/TWC payroll reports, current and prior mod worksheets if available, written safety program or table of contents, and a cover letter explaining any loss over $15,000.