Workers' Compensation Basics

What to Expect

What to expect with your policy

Workers' compensation protects your business even as it grows and changes throughout the year. Here's how we work with you to provide the right protection all year long:
1. Get a quote. Your agent will gather details about your business — including payroll, employee job risk levels, and your safety record — to find the right coverage.
2. Choose your payment plan. You’ll work with your insurance agent to choose a payment plan that works for you, typically either paid up front or paid on a recurring basis throughout the year.
3. Report payroll as needed. If you're in an industry where payroll tends to change a lot, you may submit periodic payroll reports online. This helps you confirm your workforce size and status as it fluctuates.
4. Renew your policy. Work with your agent to renew, commit to a safe year ahead, and take advantage of our free resources to help keep costs down.
5. A final look at your policy coverage. At the end of your policy period, we look back at your actual payroll to confirm your coverage and make premium adjustments through a final audit. You may get money back, owe a little more, or see no change at all. Final audits happen online, by phone or in person and our team is here to help keep the process simple and easy.

What does workers' comp offer?

In case of injury

In the event of a workplace injury or illness, turn to Texas Mutual for support and assistance. When you report the injury online, it sets our claims process in motion. Our team of adjusters manages the care your worker needs, pays income benefits in a timely manner and helps your employee return to work as quickly as possible.

If you choose to participate in our health care network, your workers will have access to high quality, outcome-focused care. Our approach to claims handling prioritizes care and communication, which helps your employee recover and saves you money in the long run. 

In case of death

We work hard to help our policyholders prioritize workplace safety and avoid on-the-job accidents. But if the unthinkable happens and a worker is involved in a catastrophic incident, our commitment extends to eligible surviving family members.

In addition to burial and death benefits, we support the success of qualifying family members through the Texas Mutual scholarship program.

construction-site-injury

Safety pays off at renewal time

Workers' compensation comes with built-in motivation to improve workplace safety. When we calculate your renewal premium, we'll take your safety record into account by comparing your losses with those expected for a business with similar risks and payroll size. This means you could have the opportunity to reduce costs
over time.

Developing key safety measures and utilizing our free safety resources can help you prevent many small to medium-sized claims, which can help you control costs. Frequent claims can affect your comparative losses more than a single, high-cost claim.

Our commitment to serving you

Texas Mutual provides the resources and support you need to understand workers' comp, manage it for your business and keep costs low. Our workplace safety expertise and commitment to fighting fraud empowers and protects our policyholders. We’re a team of real people who put Texans first each and every day. Never hesitate to get in touch and let us know how we can help you.

We empower you

As you explore workers’ comp with your agent, be sure to ask if your business is eligible for safety group discounts, explore participation in our health care network and consider applying for a safety or wellness grant during the next cycle.

Ready to get started?

Becoming a policyholder with Texas Mutual is easy. Talk to your agent about adding workers’ compensation to protect your workers and your business.

Get started
osc-shaking-hands

Coverage, costs and benefits

Workers' compensation helps protect your employees and your business when workplace injuries happen. Learn why coverage matters, how premiums are calculated and the benefits workers' comp can provide.

Need help getting started?

Ask your insurance agent about workers' compensation with Texas Mutual. If you need help finding an agent, we can help you connect
with one.

Get in touch

agent with clients