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 safety group.
Safety 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. Safety 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 safety groups. Ask your agent if you qualify.
|Group name||Open to|
|Agri Comp||Seed merchants; cotton farming gins; feed and fertilizer manufacturers; grain elevators; hay, feed and grain dealers|
|Associated Security Services and Investigators||Security guards and investigators|
|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 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 Alliance of Energy Producers||Oil and gas production|
|Texas Association of Manufacturers||Manufacturers|
|Texas Automotive Safety Group||Tire sales centers, general auto repair facilities, lube centers, auto parts stores and body, brake repair, automotive machine and radiator shops|
|Texas Cattle Feeders Association||Livestock sales companies and drivers, feed manufacturers|
|Texas Church Group||Nonprofit, faith-based organizations operating houses of worship|
|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 Home Builders||Most segments of the home-building industry|
|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 Safety 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|