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home, dwelling, renters insurance

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Business Interruption

Business interruption coverage covers losses that result from direct physical loss to property. Generally, a virus doesn’t cause physical loss to property, but every situation will be looked into on a case-by-case basis. We encourage you to review your specific policy language. –Read More–

Workers’ Compensation

Workers’ compensation coverage generally applies if the employee was injured or became ill because of the type of job they have and in the course of performing that job. Every state has its own workers’ compensation insurance laws and regulations that govern the coverage available. –Read More–


Every situation will be evaluated on a case-by-case basis. If you believe you have had a loss, file a claim by calling your agent or the insurance carrier direct.

Premium Billing and Audits

We understand that many individuals and businesses are facing a significant financial burden due to COVID-19. To help ease that burden, many insurance companies have expanded billing relief for customers across Business Insurance, Bond & Specialty Insurance and Personal Insurance.

We’re committed to working with you and your customers during these challenging times.

March 28th, 2020

Posted In: Articles

Texas Mutual Insurance Company will investigate each COVID-19 claim on a case-by-case basis. Their team of claim specialists will investigate the facts of each case and evaluate whether an employee’s illness related to COVID-19 occurred during the course and scope of employment. As with any claimed occupational disease, the medical evidence will be important to the compensability determination.

Report all claims that you suspect may be work related immediately.

Reported illnesses have ranged from mild symptoms to severe illness and death for confirmed cases of COVID-19 disease. The following symptoms may appear two to 14 days after exposure:
• Fever
• Cough
• Shortness of breath

Coronavirus (COVID-19) frequently asked questions for employers, provided by Texas Mutual Insurance Company

For additional coronavirus resources, including safety and claim information, visit the Texas Mutual blog.

March 4th, 2020

Posted In: Articles