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Other States Coverage

Texas Mutual Insurance Company is licensed to provide workers' compensation coverage only in Texas. We have partnered with Argonaut Insurance Company to offer workers' compensation coverage for Texas-based businesses that have operations in other states.

Eligible States
All states are eligible for other states coverage. However, the "monopolistic states" of North Dakota, Ohio, Washington and Wyoming are excluded from other states coverage.

Allowable Portion of Texas Domiciled Policyholder In Other States
An applicant for our other states program must be a Texas-based policyholder to be eligible. Contact your underwriter with questions regarding other states exposure.

General Underwriting Guidelines:

  • Blanket waivers are not eligible for the following states:
    • New Jersey
    • North Carolina
    • Pennsylvania
    • Tennessee

Where available, blanket waivers will be charged on a per state basis. Minimum charge is $100 per state or two (2) percent of premium for blanket waivers. The same charge is applicable for specific waivers. This charge applies to each location where waiver is provided, subject to the state minimum premium charge:

  • The other states policy will be written to expire with the Texas policy.
  • Deposit Premium Guarantee Agreement (by prior arrangement), account current (where approved), deposit premium combined with premium financing, or total payment must be sent in with the proposal acceptance form and invoice.
  • We will not provide coverage in other states for policyholders in our Start (Insurer of Last Resort) program.
  • Rate filings may change between the time we quote the other states portion of the account and the time we issue the policy as required by the laws in the state where coverage is written. Please consider class code rates quoted as tentative.
  • Other states quotes are good for 60 days from the date of issue.

Is Your Other States Submission Complete?
New business-information required:

  • Completed ACORD® application. If your client needs other states coverage in Florida, you will 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
  • Physical location addresses, incl. ZIP codes, listed by entity (not P.O. Box)
  • Description of operations
  • Annual payroll by class code by state
  • Premium and loss history for last four years separate from Texas
  • Expected effective date:________
  • Executive officers, partners or sole proprietor information
  • Current experience mod worksheet

    If applicable:
  • Verification of special coverage (i.e. USL&H, Maritime, Waiver of Sub., OCS)
  • State unemployment Tax ID # for:_____ (CO, MA, ME, NM, MY, IN, MN, ID)
  • New Jersey Employer Registration #:_____

Renewal information required:

  • Changes in operation, updated payrolls, classifications, any new states and addresses

Endorsement information required:

  • Verification of effective date, location address, annual payroll, FEIN for any new entity
  • WC-RFI for ownership change or name change

Cancellation Information Required:

  • Lost Policy Receipt signed and witnessed on flat cancellations. Mid-term cancellations require insured’s signed request

Contact information
For more information, call (800) 859-5995, and speak to an information specialist

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