Workers' Compensation Basics

Work with an agent

To get a policy from Texas Mutual, you’ll need to work with an agent. We partner with over 9,000 agents across Texas to help assess your business needs and guide you through coverage options — at no cost to you.

Your agent can:

• Quickly provide an automatic quote from Texas Mutual
• Help you understand your policy details
• Offer personalized advice tailored to your business

If you already have an agent for other business insurance, talk to them about your workers’ compensation needs. If you don’t have an agent yet, we can connect you with one in your area.

Get in touch

An agent appointed with Texas Mutual can obtain a quote for your business.

In 2025, Texas Mutual distributed $330 million in general dividends to policyholders.

Low rates are just the beginning

In addition to the lowest rates in over a decade, we offer a claims management process that's easy, efficient and worry-free. Policyholders have free access to exclusive safety resources that can help keep your employees safe and your premiums low. Plus, we’ve paid over $1 billion in dividends in over the last three years, helping businesses manage their workers’ comp costs.

Dividends are based on performance and not guaranteed.

Workers' comp basics

Workers’ compensation is the only insurance that provides both medical and disability coverage for employees as well as legal protection for employers. We offer competitive premiums along with cost-saving benefits, from dividends to our health care network to extensive safety expertise just for you.

What is workers’ compensation?

Explore costs & benefits

See what to expect

Getting started FAQs

We're proud to be the leading workers' compensation provider in Texas.