Other States Coverage
Texas Mutual provides agents the opportunity to submit coverage requests for states other than Texas. Other states coverage is provided via an arrangement with Argonaut Insurance Company, which holds an A.M. Best Rating of “A.” Texas Mutual reinsures this coverage 100%, so agents and policyholders have the backing of our financial strength.
The following is a quick reference guide to Other States Coverage.
Underwriting/marketing
Other states business must accompany a
Texas Mutual policy. Agents can submit the other
states application at the same time they submit the
Texas application or as a new request with a current
Texas Mutual policy. Texas Mutual and Argonaut
policies must have the same expiration date.
The insured must have Texas-domiciled headquarters. If approved, two separate policies will be issued. Texas Mutual will issue the policy for the Texas coverage. The other states policy will be issued on Argonaut paper.
Argonaut may issue other states policies for any state or jurisdiction except for the monopolistic states.
Is Your Other States
Submission Complete?
New business information required:
- Completed ACORD® application (If your client needs other states coverage in Florida, you need to complete a special ACORD®
application as required by Florida law. The
application requires specific information that
must be acknowledged and signed by the
agent and owner/officer, and the signatures
must be notarized.):
- Type of entity (corporation, sole proprietor, etc.)
- FEIN for each entity, including DBA names
- A physical address for every location in each state where exposure is anticipated
- Description of operations
- Annual payroll by class code, by state
- Premium and loss history for last four years by state
- Expected effective date
- Executive officers, partners or sole proprietor information
- Current experience mod worksheet
If applicable:
- State unemployment Tax ID # is needed for the following states: HI, NJ, ME, MN, RI
- New Jersey Employer Registration #
Note: The only payment plan for an Argonaut policy is annual at this time.
Commissions
The agent will receive the same commission
percentage on both policies.
Claims
Claims are handled by Argonaut claims staff.
Report other states claims directly to
Argonaut:
- via number provided with Argonaut’s policy (state-sensitive)
- online at http://online.argonautgroup.com
- fax at 888-329-3764
- Claims may be reported using Texas Mutual’s
- toll-free number: (800) TX-CLAIM (892-5246).
Argonaut claim access
Agents and insureds can get loss runs by emailing
a request to underwriting@texasmutual.com.
Agents and policyholders can register for Argonaut online access. To register, the agent must contact the underwriter or agency representative to acquire a special registration form. Once the document is complete and approved, the agent and insured will receive access codes. Note: For security reasons, agents may not request online access directly from Argonaut.
Special note: The Argonaut online user must access the account at least once every 90 days or it will expire. If access expires, the agent must contact their underwriter or agency representative to re-register.
Also, the submitting agent will automatically receive loss runs approximately 120 days from the policy’s renewal date.
Loss prevention
Texas Mutual will coordinate loss prevention efforts
on the other states exposure. Insureds also have
access to free safety resources at texasmutual.com.
Endorsements
To request an endorsement, email underwriting@
texasmutual.com.
Endorsement information required: Verification of effective date, location address, annual payroll, FEIN for any new entity, WC-RFI for ownership change or name change
Audits
Texas Mutual will conduct all premium audits.
Renewals
Renewal information required: Changes in
operation, updated payrolls, classifications, new
states and addresses.
Cancellations
Cancellations require insured’s signed request,
and no flat cancellations are granted without proof
of replacement coverage. A Lost Policy Voucher is
needed if the original policy is not available.
Limited reimbursement for Texas employees injured in other jurisdictions endorsement
If your Texas-based client sends Texas employees temporarily to other states, this endorsement provides reimbursement for expenses incurred to meet other states' workers’ compensation laws (subject to the terms and conditions of the endorsement).
This was formerly known as our “Other States Endorsement.” Effective July 1, 2008, we replaced it with our Limited Reimbursement for Texas Employees Injured in Other Jurisdictions Endorsement (TM-LRC-2008). This endorsement is automatically applied to all policies at no additional charge. No supplemental application is needed.
The monopolistic states of North Dakota, Ohio, Washington and Wyoming are excluded.
Contact information
For more information, call (800) 859-5995, and speak to an information specialist