About Texas Mutual

Privacy Policy

Texas Mutual Insurance Company values the privacy of our customers' non-public, personal information. This policy describes how we collect, share and protect our customers' information.

What information is collected about our customers?

As a workers' compensation insurance carrier, we collect non-public, personal information about our insurance customers and their agents. For example, we collect the following information:

• contact information and federal identification number
• payroll, financial statements, and details of business operations 
• claim information and loss runs (history of the number and severity of workplace injuries and illnesses)
• payment information and premium balances

For our insurance customers’ injured workers, we may obtain:

• contact information and SSN
• payment information 
• medical information
• employment history and information, including wages and benefits 

How do we collect information about our customers?

We collect non-public information about our customers and their injured workers from:

• communications, including recorded telephone calls, and transactions with our customers, their agents and their injured workers
• third parties, such as health care providers, other insurance companies, government agencies, information clearinghouses, courts, and other companies
• our websites
• insurance applications
• our affiliates

Confidentiality and security measures

We treat non-public, personally identifiable customer information, including information related to injured workers, as confidential, and we maintain physical, technical and administrative safeguards to protect the confidentiality and security of personally identifiable information. Texas Mutual Insurance Company employees and contractors who have access to our customers' non-public, personally identifiable information are those who need it for business purposes. We also instruct our employees on the importance of maintaining the confidentiality of our customers' information.

How do we use and share customer information?

We use our current and former customers’ and their injured workers’ non-public, personal information described above as permitted by law to:

• perform everyday business functions, such as issuing policies, processing claims, and processing payments 
• provide services to our customers
• communicate with our customers and their agents and injured workers
• maintain and secure our technology systems
• improve our services, including through research and data analytics
• prevent fraud 
• provide promotional information about our services
• fulfill legal and regulatory requirements

We also share our current and former customers’ non-public, personal information described above with our affiliates and third-party vendors and service providers to perform the above-listed purposes on our behalf. We do not share non-public, personal financial information of injured workers except as provided by this policy.

Non-public, personal information does not include aggregated, de-identified customer information and we and our service providers may use and share aggregated, de-identified information as permitted by law.

We do not sell any information about our customers to mailing list companies or mass marketing organizations. 

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Information we collect on our website

Texas Mutual Insurance Company collects no personal information about website users (“you”) when you visit our website unless you choose to provide this information to us. However, we do collect and store general usage information about visitors coming to our websites to help us improve the quality of our services and provide you with a positive experience, and we may combine your information with information we collect from third parties or public sources. We collect the Internet Protocol addresses (including the city, domain address, and service provider), the session identification, and we create an activity log. 

Our website may have links to websites that we do not own or control.  We are not responsible for external websites and services and we encourage you to read the privacy policy and terms and conditions for use of these external websites to understand how they may use your information.

We or third-party online advertising and analytics companies may use tools and services to gather, analyze, and store information about users, including for statistical purposes, reporting, attribution, analytics, market research, interest-based advertising, ad delivery, and other purposes described in this Privacy Policy. These third parties use cookies, web beacons, and similar technologies that are placed on your computer to help analyze how you use online services. We use Google Analytics, a web analytics service provided by Google, Inc. Please use the following link to understand how Google Analytics collects and processes data https://www.google.com/policies/privacy/partners/.

United States only operations

We control and operate our websites from locations in the United States. By using Texas Mutual’s websites, you consent to the transfer of your personally identifiable information within and to the United States.