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 | ||||
 Increased limits for employer liability ($1,000,000 maximum) USL&H and maritime Waivers of subrogation Coverage for non-subscribers
|
Increased limits for employer liability ($1,000,000 maximum) USL&H and maritime Waivers of subrogation Coverage for non-subscribers
|
Increased limits for employer liability ($500,000 maximum) USL&H and maritime Waivers of subrogation Coverage for non-subscribers
|
| 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 |
By e-mail at apps@texasmutual.com | By e-mail at apps@texasmutual.com |
| Texas Mutual Insurance Co. SBIPP Underwriting P.O. Box 12058 Austin, Texas 78711-2058 |
Texas Mutual Insurance Co. Underwriting P.O. Box 12058 Austin, Texas 78711-2058 |
Texas Mutual Insurance Co. Start Underwriting P.O. Box 12058 Austin, Texas 78711-2058 |