We know that workers’ comp is one of many business expenses you have to consider. Joining a safety group can help you maximize your savings through premium discounts and group dividends.
The Texas Department of Insurance (TDI) allows employers in similar businesses to form safety groups, giving them group purchasing power to earn a discount. We have 24 groups that cover industries from agriculture to security.
In addition to a 12.2% to 12.4% premium discount, you’ll have access to customized safety resources for your industry and the potential to earn a second dividend.
In 2025, we paid nearly $20 million in safety group dividends.
Dividends are based on performance and are not guaranteed, but Texas Mutual has paid dividends for more than 28 consecutive years.
Premium discount
Safety group dividends
Customized safety resources
Ask your insurance agent about workers' compensation with Texas Mutual. If you need help finding an agent, we can help you connect
with one.
For more than 30 years, we've helped Texas businesses protect their employees, control costs and build safer workplaces. Learn about the resources available to you and the purpose-driven organization behind them.