Texas Mutual Insurance Company

Texas Mutual Insurance Company is the largest workers' compensation insurer in Texas, established in 1991 by the Texas Legislature. It provides a stable source of workers' compensation insurance and serves as an insurer of last resort for businesses that cannot find coverage elsewhere. The company began underwriting policies in 1992 and became a mutual insurance company in 2001, owned by its policyholders.

Focusing exclusively on workers' compensation insurance, Texas Mutual covers over 70,000 businesses and protects approximately 1.5 million employees across the state. The company is committed to promoting safe work environments and ensuring that injured workers receive compassionate claims management and return-to-work support. Its services include underwriting policies, offering safety education grants, and providing a dividend program that has returned over $3.1 billion to safe customers since 1999. Texas Mutual also emphasizes community involvement through initiatives that support workforce development and disaster relief across Texas.