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Just for Agents

Workers' compensation is good for Texas —
and Texas Mutual is good for insurance agents.

Why sell workers' comp?

Workers' compensation is the only insurance that provides both medical and disability coverage for workers as well as legal protection for employers. Rather than patchwork together alternate coverage that can end up costing more and create gaps in protection, encourage your clients to carry workers' compensation. We offer eligible agents a competitive commission on each qualified policy written. 

Workers' Comp Basics for Agents

How to get started with Texas Mutual 

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Working with Texas Mutual

We are the market leader in Texas because we take care of our policyholders, agents and injured workers. Our responsive and empathetic claims management, cost-saving health care network, free safety consultations and materials, and 20+ year history of policyholder dividends make us an attractive choice for Texas businesses. 

Our policyholders and agents also benefit from Texas Mutual's history of excellence. Since 2012 we have been rated by A.M. Best, the standard for rating insurance providers. Our financial strength is underscored by our "a+" issuer credit rating and our "A" financial strength rating. 

Learn about quoting with us

Workers' comp that works for your clients

Each of your clients is unique. Texas Mutual offers customized coverage to fit every Texas business.

  • Small business plans for accounts with premium less than $5,000
  • Medium to large business plans for accounts with premium more than $5,000
  • Texas Mutual Premier plans for accounts with premium more than $400,000
  • Start program for companies that do not qualify for voluntary programs due to poor loss histories, inadequate safety programs or uncontrolled catastrophic exposures
  • Other states program for qualified Texas-based clients who do business out of state
  • Safety group program offering premium savings and industry-specific safety resources

We're committed to your success in writing and retaining business, and helping your clients make the most of their policy. See how we welcome new policyholders to doing business with us in our onboarding campaign

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Dividends that lead to retention

Texas Mutual has distributed dividends to policyholders for 26 consecutive years, bringing the total payout to over $4.4 billion. In 2024, we distributed $350 million to Texas businesses. Agents across the state tell us that our dividend program helps them attract and retain customers. Through our individual and safety group dividends, your clients become policyholder owners and have the chance to reap the rewards of our success. 

Dividends give us and our agents the chance to reinforce a focus on safety, and to reward businesses that keep losses low. Though dividends are based on performance and not guaranteed, Texas Mutual has distributed them every year since 1999.*

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Competitive agent commissions and incentives

Texas Mutual offers eligible agents a competitive commission on each qualified policy written. All commission dollars are adjusted at final audit based on paid premium.**

We also reward qualifying Texas agents with an incentive for placing and retaining profitable policyholders with us. If you are accepted into our incentive program you may qualify for a profit-sharing bonus in addition to regular commission payments.

For more information, contact your Texas Mutual territory manager or call (800) 859-5995. 

Help your clients control their costs with our services

From premium discounts to free materials and more, our services and resources help your clients control their workers’ comp costs — and give you tools to sell, retain and support your clients. See what we offer employers

Our commitment to agents

Texas Mutual actively listens and responds to agent feedback. Our Agent Advisory Councils and Account Executive Council allow us to actively solicit and collect your input. Read more about our commitment to knowing you and your agency and our ongoing customer enhancements.

*Dividends are based on performance, are not guaranteed, and must comply with Texas Department of Insurance regulations.

**Texas agents who write with us must maintain a valid Property & Casualty license and be in good standing with us and with the Texas Department of Insurance. Out-of-state agents must have a non-resident agent's license in order to do business in Texas. All agents must have a W-9 on file with us. We will not pay commission for earned premium not paid by the policyholder. You waive any right to a commission on earned premium if payment is made: 1) as a result of a criminal or civil action; 2) as a result of third-party collection efforts on our behalf; or 3) more than 90 days after the due date.

Ready to get started?

See how to start quoting with Texas Mutual.

Have more questions?

See the most commonly asked questions.