Just for Employers
Your Texas Mutual policy can be complemented by the addition of a multi-state policy, previously known as other states, to provide coverage to your employees who work at your locations outside of Texas.
About our multi-state fronting partners
As of October 15, 2026, we’ve begun transitioning to Benchmark Insurance Company, part of the Trean Insurance Group, as our new multi-state fronting partner. We’re currently writing new business with Benchmark, while some renewing policies will continue to be written with Argo Group US.
What this means for existing Argo policies
Policyholders with existing multi-state policies may be familiar with Argo, our previous fronting partner. We’re able to continue issuing Argo policies through the end of 2026, and Argo will continue servicing existing policies until they expire, as late as December 31, 2027.
Learn more about our multi-state policies and how they work below.
Any injuries that occur in another state in which you have coverage will be managed through one of our fronting partners. For the most efficient service, we recommend reporting out-of-state claims directly to Benchmark or Argo, depending on which company provides your multi-state coverage. You can also report your claim to Texas Mutual.
Benchmark claims
If you have a multi-state policy with Benchmark, you can report injuries that occur outside of Texas directly to Benchmark by:
Argo claims
If your multi-state policy is through Argo, you can report injuries that occur outside of Texas directly to Argo by:
Notice: On November 14, Argo will be transitioning claim handling to Gallagher Bassett. At that time, we’ll update this page with new claim reporting information for Argo policies. Until then, please continue to report claims using the information above.
When you get a multi-state policy for your business in another state, we work with Benchmark and Argo to help simplify your overall workers’ comp experience.
Combined billing
All billing for your Texas policy and your multi-state policy will be combined on the invoices you receive from Texas Mutual.
Final audit
Toward the end of your policy term, Texas Mutual will conduct the final audits for your Texas Mutual policy and your multi-state policy.
Billing details and information
Log in to your Texas Mutual account to view your latest billing information and enroll in paperless billing and autopay.
Questions?
Contact us at (800) 859-5995 if you have any questions about your billing or policy. We’re here to help.
Get familiar with your Texas Mutual coverage and find answers to common questions about managing your policy and claims.
