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Workers' comp that pays dividends

Get to know how the dividend program strengthens your business.

Owned by our policyholders

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When you sign a workers’ comp client with Texas Mutual, you’re not just making them a policyholder, you’re making them an owner. It’s an important difference. You see, as an owner, your client has the opportunity to earn annual dividends – and to see their rewards grow. That’s because Texas Mutual dividends are based not only on their safety record, but also on their loyalty and longevity with the company. That’s good for your clients and your retention rate – and it starts with you!

Great retention tool

Since 1999, our one-of-a-kind program has paid employers more than $4.4 billion, boosting bottom lines and strengthening the Texas economy.

"It's really hard to take somebody away from Texas Mutual once they've tasted those dividends," explains Brad Board, an Insurica agent who's seen the difference a dividend can make. "You walk in with a check, and they see the envelope, and immediately they're smiling. They're like, ‘He’s bringing me money.'"

Smiling image of insurance agent Brad Board.

By partnering with Texas Mutual, Agent Brad Board helps his clients earn dividends.

Hand taking a dividend check out of an envelope

In 2024, 91% of our policyholders earned a dividend – that's more than 70,000 Texas businesses.

More than $4 billion returned

In 2024, which marks the 26th consecutive year that Texas Mutual has paid dividends, we returned $350 million to 70,000 businesses across the state.

For our agent partners, our dividend program:

  • Provides you with a powerful tool for recruiting new clients
  • Helps you retain clients by providing greater returns based on longevity
  • Keeps your clients happy by reducing the overall cost of their premium
  • Creates opportunities for you to have positive, engaging interactions with your clients

We're here for you

As the state’s largest workers’ comp provider, Texas Mutual knows the importance of building strong relationships with our agent partners. After all, our business starts with you.

To learn more about our commitment to your success, visit our Just For Agents page.

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

Ready to get started?

See how to start quoting with Texas Mutual.

Have more questions?

See the most commonly asked questions.