Texas Mutual Workers' Compensation Insurance - Work Safe, Texas

Another Record-Breaking Dividend.
Now That’s Something to Sing About.

En Español

Singing currency presidents

In 2017, Texas Mutual sent a record $260 million in dividends to our policyholder owners. And they earned every penny. Through their commitment to accident prevention and protecting employees, our policyholder owners lowered costs and helped a lot of good Texans make it home to their families. We’re proud to reward those efforts—and prouder of the safe Texas businesses who made it possible.

Dividends and safety go hand in hand. Working safe is good for your employees, good for your business, and beneficial to your bottom line. If you’re looking for safety solutions that work—and a dividend program that rewards you for working safe—we can help. Here are just a few of the ways that Safety Pays.

Over $2.2 Billion in Dividends

Since 1999, Texas Mutual has returned more than $2.2 billion in dividends* to the businesses we serve. We’ve paid more than a billion dollars since 2012—a record $260 million to approximately 45,000 policyholder owners in 2017 alone. Our 19 consecutive years of dividend payouts are a tribute to our policyholder owners and their commitment to protecting their people. The money you earn not only makes your business stronger, it’s a tangible incentive to encourage your employees to work safe each and every day.

Safety Means Lower Premiums: It’s no secret that accidents can increase the cost of your workers’ comp premium. But since the expenditure doesn’t appear at the time of the accident, businesses sometimes forget that the cost is directly attributable to that occurrence.

Working Safe Reduces Your Training Costs: In most cases, an injured worker has to be replaced. The cost of hiring and training a new worker, then integrating them with your team, can be a considerable expense.

Using Your Resources More Efficiently: Reporting a claim and following the progress of your injured employee takes time away from other duties. Safety makes your workplace more efficient.

Preventing Accidents Improves Productivity: As other workers fill in or take on new responsibilities, your overall productivity suffers. This can significantly impact output and the ability to meet deadlines.

A Safe Workplace Is Good for Morale: When someone is injured on the job, everyone in the business feels it. It’s an understandable distraction that can reduce productivity in the short-term. If the injury places an increased burden on your existing workers, it can lead to resentment or the loss of good employees.

Every business wants to keep its workers safe. The good news is that it’s not only the right thing to do—it’s one of the smartest financial moves you can make for your company. For help improving your safety program, contact a Texas Mutual workplace safety specialist at 844-WORKSAFE.

*Dividends reward policyholders when Texas Mutual, a policyholder-owned company, has a profitable year. There are three key factors to dividends: loss ratio, customer loyalty and approval of the dividend payout by our board of directors. To qualify for a dividend, policyholders must have an appropriate loss ratio. Employers can reach that loss ratio through safety training, accident prevention and getting their employees back on their feet and back to work. Secondly, we consider loyalty as part of our dividend program. The longer policyholders stay with Texas Mutual, the greater the opportunity to earn a larger dividend. Each year, Texas Mutual’s board of directors votes to approve these dividends. For more information visit www.TexasMutual.com/ownershippays or contact your Texas Mutual representative.

While we can’t guarantee dividends every year, Texas Mutual Insurance Company has returned more than $2.5 billion to safety-conscious policyholder owners since 1999.

Since 1999, Texas Mutual has returned more than $2.2 billion in dividends to the businesses we serve.