Texans show up early and for each other

Learn how our dividend program sets up
your business for success.

We work hard to keep each other safe

See how our partner, TRIO Electric, benefits from our trusted dividend program.


We stand up. And stand out

When an employer purchases a policy from Texas Mutual, they're gaining more than just financial protection — they’re becoming part owners of the company. Fueled by our commitment to keeping workers safe and businesses running strong, we share our success through a dividend program. Since workers’ comp rates are the lowest they have been in over a decade, with a decrease of nearly 77% since 2003, Texas Mutual is your best choice for workers’ compensation coverage.

Just for Employers


25-TXMU-3117_Q4_Dividends_Digital-Web-Section-2

Texans never waver

At Texas Mutual, we pride ourselves on being consistent, dependable and true to our commitments. For 27 consecutive years, we have distributed nearly $4.8 billion in dividends to qualifying policyholders.

Get the basics - Dividends


Nobody does safety like a Texan

Our dividend program rewards qualifying policyholders for prioritizing the safety of their employees and keeping their losses low. We're proud to support their business with the success they help create.

Dividend FAQs

25-TXMU-3117_Q4_Dividends_Digital-Web-Section-3

25-TXMU-3117_Q4_Dividends_Digital-Web-Section-4

Texans trust in each other

Texas Mutual takes pride in rewarding our policyholders for creating safer work environments and choosing us as their trusted partner. Learn how we’re helping make businesses across Texas safer while helping to control costs.

See our safety resources

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

Need help getting started?

Ask your insurance agent about workers' compensation with Texas Mutual. If you need help finding an agent, we can help you connect with one.

agent with clients