Group Discount Programs
Workers' compensation insurance is just one of many expenses that employers have to consider. You can make it a smaller part of your budget by joining a group discount program, also called a purchasing group.
Purchasing groups allow employers in similar industries to reduce their premiums by purchasing their coverage as a group. If you join a group, you get:
- A premium discount. Most groups offer discounts between 10 and 11 percent.
- A safety plan designed for your industry. By preventing accidents, you can lower your claim costs.
- Potential dividends. Policyholders who control their losses may receive a monetary reward in the form of a dividend. Purchasing group members may also qualify for an additional group dividend if the group has favorable results.
Click here for a printer-friendly flyer about the benefits of group coverage.
Texas Mutual Insurance Company offers the following purchasing groups. Ask your agent if you qualify.
| Group name |
Open to |
| CompGroup AGC |
General and specialty contractors |
| Emergency Service Organization |
Emergency fire trucks and ambulance services |
| Hospitals of Texas |
Hospitals |
| Lone Star Auto Dealers |
Franchised auto, truck, RV, boat and motorcycle dealerships |
| Lone Star Energy |
Butane/propane gas operators and dealers |
| NFIB Construction |
Artisan contractors |
| NFIB Manufacturing |
Manufacturing |
| NFIB Wholesale/Retail |
Wholesale and retail |
| Social Services Agencies of Texas |
Social services agencies, such as Head Start, Eldercare and YMCA |
| Texas Apartment Association |
Property and condo managers |
| Texas Association of Manufacturers |
Manufacturers |
| Texas Automotive Purchasing Group |
Tire sales centers, general auto repair facilities, lube centers, auto parts stores and body, brake repair, automotive machine and radiator shops |
| Texas Construction Association |
Subcontractors |
| Texas Construction Supply |
Supply yards, building material centers, and other wholesale/retail suppliers |
| Texas Green Industry |
Wholesale and retail nurseries, landscape contractors, growers, irrigation contractors and other green industry businesses |
| Texas Lodging Group |
Hotels, motels, bed and breakfasts, and hospitality groups |
| Texas Lumber & Wood Products |
Loggers, sawmills and most forms of wood products manufacturing |
| Texas Machinery and Equipment Dealers |
All machinery and equipment dealers |
| Texas Medical Group |
Physician offices, home health care, nursing homes, outpatient care centers and more |
| Texas Oil & Gas Association |
Oil and gas |
| Texas Petroleum Marketers and Convenience Store Association |
Convenience stores |
| Texas Produce Association |
Produce-related growers, shippers, distributors and material and service providers |
| Texas Recreation Purchasing Group |
Golf clubs, country clubs, health clubs, tennis clubs, fishing clubs, bowling centers and others in the recreation industry |
| Texas Restaurant Association |
Restaurants |
| Texas Schools Group |
Private schools |
| Texas Sign Association Comp Group Inc. |
On-premise sign product manufacturers, sign supply distributors and associated sign service providers |
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