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
Line of business & role: Texas Mutual is a monoline workers’ compensation carrier focused on Texas employers. It serves as the state’s leading writer and insurer of last resort for employers unable to secure coverage elsewhere. All appetite and underwriting expectations are for workers’ compensation only and are Texas-centric. Geographic scope: - Primary appetite is employers with Texas operations; coverage is written on Texas workers’ compensation policies only. - "Other States" exposure is typically addressed via a companion policy through Argonaut (ARGO); agents access loss runs and claims information through both Texas Mutual Online and Argonaut when applicable. Preferred / target business: - Broad appetite for mainstream Texas employers across construction, manufacturing, healthcare, retail, hospitality, professional services and many industry-specific safety groups. - Employers that value safety and are willing to implement loss-prevention recommendations, participate in safety groups, and use Texas Mutual safety resources and webinars. - Accounts with stable operations, controllable hazard exposures, and demonstrable commitment to workplace safety and injury prevention. - Agents and insureds that provide complete underwriting information including accurate FEIN, class codes/NAICS-SIC, loss experience and estimated payroll. Restricted / higher-scrutiny business: - Higher-hazard classes (heavy construction, some manufacturing, and industries with elevated frequency or severity) are often funneled through or evaluated in conjunction with relevant safety group programs or special underwriting review. - Operations with significant subcontractor exposure: underwriting reserves the right to request additional documentation to determine whether subcontractor payroll should be included. - New operations or new employee duties during the policy term require underwriting approval for class code additions or changes, supported by detailed operational descriptions. Declined / not targeted: - The public-facing materials do not list explicit class-code blacklists; however, as insurer of last resort, Texas Mutual may still decline risks that fall outside its filed underwriting guidelines, present unacceptable hazard or governance issues, or fail to provide required information. Underwriting & classification notes: - Underwriting and classification are grounded in the NCCI Basic Manual as adopted with Texas exceptions; Texas Insurance Code and TDI rules govern filing and confidentiality of workers’ comp underwriting guidelines. - Subcontractor payroll must be reported unless each subcontractor provides a valid certificate of workers’ compensation insurance or a signed independent contractor/subcontractor agreement. Underwriting may audit these relationships and adjust premium accordingly. - Payroll must be allocated to the proper classification codes; any request for new or revised class codes must be pre-approved by underwriting whenever possible, with detailed descriptions of operations and job duties. - Overtime handling: only the premium portion of overtime may be excluded from payroll for rating, and only if overtime is tracked separately by employee and by class. Submission requirements & process for producers: - To write with Texas Mutual, an agent must register as a qualified agent and obtain online access. - Preferred submission method is the Internet Quoting tool via Texas Mutual Online. Required information includes: FEIN, industry class codes, NAICS/SIC codes, current/past loss experience, and estimated payroll by class. - Alternative submission methods (for ACORD 125/130 and supporting documentation): - Email applications to apps@texasmutual.com (receipt usually confirmed within one business day standard cited as within eight business hours). - Fax to (800) 359-0650. - Mail to: Texas Mutual Insurance Company, Attn: Underwriting, P.O. Box 12058, Austin, TX 78711-2058. - For loss runs and account servicing, agents can log in to Texas Mutual Online or request via underwriting@texasmutual.com, fax, or mail. A current Letter of Authorization is required if the requesting agent is not the agent of record. Broker / producer expectations & notes: - Agents are positioned as key distribution partners; Texas Mutual provides agent-only marketing, training, safety group information, and workers’ comp education tools. - Agents are expected to: - Use the online quoting platform for faster turnaround when possible. - Supply complete, accurate risk information and keep underwriting informed of changes in operations or exposure. - Educate employers about payroll reporting, subcontractor requirements, and the use of Texas Mutual’s safety resources, medical network, and pharmacy programs. - Dividends and financial highlights are communicated to agents via Texas Mutual Online and dedicated collateral; agents should not promise dividends as guaranteed, but may use materials describing program history and mechanics. Practical placement notes: - For construction and other higher-risk industries, many placements are routed through safety group programs that leverage Texas Mutual paper; producers should coordinate with safety group administrators and Texas Mutual underwriters for eligibility and underwriting approval. - Texas Mutual serves as a stable market for employers who may have difficulty obtaining coverage elsewhere, but submissions must still meet internal underwriting standards and statutory guidelines for workers’ compensation in Texas.