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 currently presents itself as a Texas-focused workers’ compensation specialist with a broad voluntary appetite and states it is 'ready and willing to write any business,' supported by underwriting across all premium bands from small business through large accounts and premier programs. The carrier’s published guidance indicates it writes workers’ comp for Texas employers and any licensed agent can place business once registered. Geographic scope is primarily Texas; Texas-only coverage is explicit in Start Program materials, while qualified Texas-based insureds may obtain Other States coverage through Texas Mutual’s partnership with Argo, subject to eligibility and underwriter review. Submission is fastest through Texas Mutual Online/Internet Quoting, though ACORD 125 or 130 may also be sent by email, fax, or mail. Standard quoting data requested includes FEIN, class codes, NAICS/SIC, loss experience, and estimated payroll. Many submissions can auto-quote; those not qualifying for automation are routed to underwriting with a stated review time of about 15 to 20 days. Published restricted/non-standard business guidance is framed through the Start Program rather than a conventional declination list: Start is for employers that do not meet voluntary-market underwriting standards due to poor loss history, inadequate safety programs, or uncontrolled catastrophic exposures, and may carry higher premium and limited employer’s liability limits. For Start submissions, Texas Mutual requires a signed ACORD 130 plus signed Start supplemental, 4 years of hard-copy loss runs valued within 120 days, the latest 4 quarters of federal payroll tax forms or Texas Workforce Commission reports, current and up to 2 prior mod worksheets (or 4 years of payroll/premium if not experience rated), a written safety program or table of contents, and a cover letter for any loss over $15,000. Start also highlights additional scrutiny around common ownership, shared employees, subcontracting, contract labor, bankruptcy history, PEO relationships, and temporary employee exposures. Operationally, agents should note that no coverage is bound until issued by Texas Mutual; signed applications are required to bind in Start; a minimum 15% deposit applies if premium is financed in Start; payroll reporting is available for fluctuating payroll classes; agents should include the client email during quoting to enable policyholder onboarding; non-agent-of-record loss-run requests require a dated LOA on insured letterhead not older than 90 days; and commission requires the agent to be in good standing with Texas Mutual and TDI, with W-9 and license on file. Texas Mutual also maintains supplemental forms for specialized exposures including transportation, Longshore/Harbor, Outer Continental Shelf, volunteer emergency service organizations, and PEO business, indicating those classes may be considered with additional underwriting information rather than treated as routine submissions.