Program options
We offer three basic workers’ comp insurance programs, other states coverage, plus additional options for qualifying customers. Use the links below or call (800) 859-5995 for more information.
| Small Business Injury Protection Plan (SBIPP) |
Cornerstone® Program | Start Program |
|---|---|---|
| Eligibility | ||
| Applicants with an estimated (rate tier x payroll) premium of less than $5,000 | Applicants with an estimated (rate tier x payroll) premium of $5,000 or more | Applicants with a poor loss history, inadequate safety program or uncontrolled catastrophic exposure |
| Application forms | ||
| ACORD® 130 Other forms as needed |
ACORD® 130 Other forms as needed |
ACORD® 130 and Start Supplemental Application Other forms as needed |
| Additional coverage | ||
|
|
|
| Retros | ||
| Not available | Available on a limited basis | Available on a limited basis |
| Safety groups | ||
| Available through qualifying safety groups |
Available through qualifying safety groups |
Not available |
| Deductibles | ||
| Not available | Deductible policies available per manual and negotiated | Deductible policies available per manual and negotiated |
| Application submissions | ||
| Internet Quoting | Internet Quoting | |
|
By e-mail at apps@texasmutual.com Texas Mutual Insurance Co. |
By e-mail at apps@texasmutual.com Texas Mutual Insurance Co. |
By e-mail at apps@texasmutual.com Texas Mutual Insurance Co. |
Small Business Injury Protection Plan (SBIPP)
Eligibility
Applicants with an estimated (rate tier x payroll) premium of less than $5,000
Application forms
- ACORD® 130
- Other forms as needed
Additional coverage
- Increased limits for employer liability ($1,000,000 maximum)
- USL&H and maritime
- Waivers of subrogation
- Coverage for non-subscribers
Retros
Not available
Safety groups
Available through qualifying safety groups
Deductibles
Not available
Application submissions
- Internet Quoting
- By e-mail at apps@texasmutual.com
- By mail at
Texas Mutual Insurance Co.
SBIPP Underwriting
P.O. Box 12058
Austin, Texas 78711-2058
Cornerstone® Program
Eligibility
Applicants with an estimated (rate tier x payroll) premium of $5,000 or more
Application forms
- ACORD® 130
- Other forms as needed
Additional coverage
- Increased limits for employer liability ($1,000,000 maximum)
- USL&H and maritime
- Waivers of subrogation
- Coverage for non-subscribers
Retros
Available on a limited basis
Safety groups
Available through qualifying safety groups
Deductibles
Deductible policies available per manual and negotiated
Application submissions
- Internet Quoting
- By e-mail at apps@texasmutual.com
- By mail at
Texas Mutual Insurance Co.
Underwriting
P.O. Box 12058
Austin, Texas 78711-2058
Start Program
Eligibility
Applicants with a poor loss history, inadequate safety program or uncontrolled catastrophic exposure
Application forms
- ACORD® 130 and Start Supplemental Application
- Other forms as needed
Additional coverage
- Increased limits for employer liability ($500,000 maximum)
- USL&H and maritime
- Waivers of subrogation
- Coverage for non-subscribers
Retros
Available on a limited basis
Safety groups
Not available
Deductibles
Deductible policies available per manual and negotiated
Application submissions
- By e-mail at apps@texasmutual.com
- By mail at
Texas Mutual Insurance Co.
Start Underwriting
P.O. Box 12058
Austin, Texas 78711-2058
