Winter 2006

What Your Clients Get for Their Texas Mutual Premium
By David Wylie

Smart shoppers know how to get the most value for their money. In an increasingly competitive workers’ compensation market, you have more choices for where to place your clients’ business. Here’s a look at what they get for their competitively priced Texas Mutual Insurance Company premium.

Workers’ compensation health care network
We created our certified workers’ comp health care network to reduce the human and monetary costs associated with workplace injuries. The network provides occupational health care and case management services designed to help injured workers recover and return to work. Most eligible employers who choose the network option get a 12 percent annual network premium discount.

Potential dividends
Over the past eight years, Texas Mutual Insurance Company has returned more than $320 million in individual dividends to qualifying policyholders.* In 2006, over 34,000 employers, representing about 73 percent of our policyholders, earned a share of our company-record $100 million individual dividend plan. Individual dividends are separate from purchasing group dividends. Many policyholders have qualified for both types of dividends.

Purchasing groups
Purchasing group members get a premium discount based on the group’s premium volume. They can also adopt an industry-specific safety plan and earn potential individual and group dividends.* Purchasing groups are a good proposition for agents, too.

Safety services
Our safety professionals and online tools help policyholders prevent workplace accidents and the costs that come with them. Policyholders can visit our safety resource center to uncover and correct the root causes of workplace accidents, download written safety programs and get DVDs, videos, pamphlets and other safety training material.

Zero tolerance for fraud
Everyone pays for workers’ comp fraud. That is why we are committed to our “zero tolerance for fraud” policy. We investigate every report of suspected fraud, and we get results.

Online services
We constantly explore new ways to help your clients save time by doing business on our website. Policyholders can use Texas Mutual^® online services to report injuries, create on-demand loss runs, get claim details, file DWC-3 Employer’s Wage Statements, report suspected fraud, find out about our workers’ comp health care network option and much more.

Stability
History guarantees that it’s not a matter of if the workers’ comp market hardens; it’s a matter of when. Our mission is to provide a stable, competitive source of workers’ comp coverage regardless of market conditions. Our strong policyholders’ surplus and responsible underwriting practices ensure we will be here for your clients when other carriers abandon them. Click here to review our financial stability.

Workers’ comp expertise
Workers’ comp is all we do, and we work hard to do it better than anyone else. Our offices in Austin, Dallas, Houston and Lubbock give us a regional advantage over out-of-state carriers.

*Past dividends are not a guarantee of future dividends, and the Texas Department of Insurance must approve all dividends.

MUTUAL INTERESTS - Winter 2006
What Your Clients Get for Their Texas Mutual Premium
Texas Mutual Introduces New Purchasing Groups
Purchasing Groups Earn Dividends
Fixed Payroll for Sole Proprietors, Partners Increases
Ken's Corner

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Texas Mutual Insurance Company.