February 22, 2024
Meeting your clients' needs with our broad risk appetite
The responsibility of an insurance agent is much like that of a hotel concierge when helping guests find a restaurant. As a concierge, it’s your job to understand what the nearby restaurants offer as well as who your customer is and what they’re looking for. When you book a reservation, you want to be confident that your customer’s dietary restrictions, party size and any other preferences will be accommodated. It takes constant research and time to match your customers with a fitting restaurant.
Likewise, we know that, as an agent, you have a responsibility to find the workers’ comp carrier that will not only offer insurance to your client based on their industry, but has the expertise to understand their business and help you both succeed. We’re pleased to make your research that much easier by including everything on our menu because we’re ready and willing to write any business.
We have over 30 years of experience specializing in workers’ compensation insurance as well as a broad and consistent risk appetite. When you’re deciding where to send your customers, you can avoid matching carriers with risk profiles and instead, have peace of mind knowing you can secure satisfied, returning customers with Texas Mutual.
While each of your clients is unique, we have experience working with the largest variety of customers and can build a policy for any one of your clients. Keep reading to learn more about how we can meet the needs of all your clients as well as some of the programs we offer to help increase your retention and help you succeed.
Business size
We’re well-versed in working with businesses of all sizes and are the leading workers’ comp provider for all premium bands. While the majority of our policyholders are small businesses, we also have large account and premier programs to ensure your biggest accounts are getting the services they need.
Business segment and risk
Our underwriting team is leading the way in every business segment. We even have a specialized Start program to help companies that do not qualify for voluntary programs due to poor loss histories, inadequate safety programs or uncontrolled catastrophic exposures.
Other states coverage
Through our partnership with Argo Group US (Argo), we’re proud to offer other states coverage to your qualified Texas-based clients. We chose Argo as an extension of the quality care you can expect with your Texas Mutual policy and take steps to simplify the overall experience by offering combined billing and audits. Talk to your underwriter to learn more and see if your client is eligible for other states coverage.
Policyholder benefits
When you and your client choose Texas Mutual, we’re dedicated to partnering with both of you to support workplace safety, care for injured employees and more. Here are a few Texas Mutual benefits exclusive to our policyholders:
- Reliable safety services. We have the state’s largest safety services team with experts ready to help policyholders navigate their workplace safety and health programs. Your clients also have access to thousands of online safety resources such as online videos, e-Learning courses, sample programs and more.
- Compassionate claim handling. Our responsive and empathetic claims management helps injured employees get the care they need while helping policyholders navigate the affects on their business.
- Cost-saving health care network. By participating in our network, your clients can receive a premium discount and their injured employees can use network medical providers and pharmacies to get quality care.
- Rewarding dividends. Our dividend program rewards policyholders for their safety and loyalty while helping you recruit and retain clients. Over the last 25 years, we’ve paid more than $4 billion in dividends. While Texas Mutual has awarded dividends each year since 1999, they are based on performance and therefore are not guaranteed. Additionally, dividends must comply with Texas Department of Insurance regulations.
- Beneficial safety groups. When your qualified clients join one of our 26 safety groups, they can maximize their savings through premium discounts, access customized safety resources for their industry and have the opportunity to earn a second dividend.
Ronnie’s story is a great example of a successful return-to-work journey, and we’re proud to be a part of it. Employers who invest in return-to-work programs can help their employees recover more quickly and minimize lost productivity and other costs associated with workplace accidents. Texas Mutual is your workplace safety and return-to-work partner, and we’re here to help you every step of the way.
We value our agent partners and work hard to support you and your clients.
Ready to submit an application?
Use our Internet Quoting tool at texasmutual.com for the fastest way to get your submission to us. About 90% of online submissions result in an immediate quote.
Have more questions?
If you have any questions about our programs or how we can help one of your clients, we encourage you to speak with your Texas Mutual underwriter or territory manager. If you’re not sure who to contact, email agents@texasmutual.com and we can get you connected.