Texas Mutual Insurance Company
Texas Mutual Insurance Company files an LCM of 1.693 in Texas. 49.4% of the 350 ranked Texas carriers file at or below it (rank 173 of 350, 1 = lowest LCM), −0.4% versus the Texas median of 1.70.
01Position snapshot
NCCI (National Council on Compensation Insurance) publishes loss costs for Texas; each carrier files a loss cost multiplier (LCM) that it applies to them. LCMs are not comparable across states or across bureaus: each one multiplies its own state bureau's loss costs, so a 1.20 in one state and a 1.20 in another are not the same price. Every comparison in this report is between Texas carriers only. Texas has 350 ranked carriers (375 with a position), so the published percentile and rank are stated exactly.
| Loss cost multiplier (LCM) | 1.693 · LCM selected on the filing form |
|---|---|
| Effective date | 2026-07-01 (1 Jul 2026) |
| SERFF tracking number | TMIC-134921672 |
| Bureau | NCCI (National Council on Compensation Insurance) |
| Peer percentile (carriers) | 49.4% of 350 ranked Texas carriers file an LCM at or below; 49.1% strictly below |
| Rank | 173 of 350 (1 = lowest LCM; ties share a rank) |
| Peer percentile (premium) | 62.8% of ranked written premium sits at or below this LCM |
| Texas median | 1.700 · subject is 0.007× (0.4%) below |
| 25th / 75th percentile | 1.411 / 2.087 · +20.0% vs p25, −18.9% vs p75 |
| Written premium | $945,615,405 · 2026, as printed on the filing · 46.6% of ranked premium observed |
| Source age at as-of date | 131 days |
The subject's own filing history
| Prior filing | 1.693 · eff 2025-07-01 · TMIC-134541713 · change to current ±0.0% |
|---|
Market-wide rate movement is not included: SerffSurf has not yet published its movers table, so it is not quoted here.
02Texas peer distribution
Every ranked Texas carrier's current LCM, in 0.05-wide bins. n = 350; published p25 1.411, median 1.700, p75 2.087. Texas only.
03Nearest Texas peers by LCM
The Texas ranked carriers nearest by LCM (up to 10 below and 10 above, ordered by LCM, then published rank). “≤ share” is the published share of ranked carriers at or below each LCM. 14 ranked Texas carriers are not named in this product; they are counted in n, ranks, percentiles and the distribution, and shown as “Name withheld” where they fall among the nearest peers.
| Company | Group | NAIC | LCM | ≤ share | Effective | SERFF tracking | Written premium |
|---|---|---|---|---|---|---|---|
| Falls Lake National Insurance Company | James River Group | 31925 | 1.650 | 47.1% | 2023-07-01 | SWNI-133685415 | $888,783 |
| Florists' Mutual Insurance Company | Sentry Insurance | 13978 | 1.650 | 47.1% | 2026-07-01 | SEPX-134912246 | $689,720 |
| Incline Casualty Company | Incline Ins Grp LLC | 11090 | 1.650 | 47.1% | 2026-07-01 | MRTN-134964641 | $1,367,220 |
| National Liability & Fire Insurance Company | Berkshire Hathaway | 20052 | 1.670 | 47.7% | 2025-07-01 | NTIN-134524445 | $5,249,424 |
| Star Insurance Company | AF Group | 18023 | 1.670 | 47.7% | 2026-07-01 | ACCD-134875689 | $395,828 |
| Alaska National Insurance Company | CopperPoint | 38733 | 1.680 | 48.3% | 2026-07-01 | ALNI-134870430 | $1,148,474 |
| Pacific Compensation Insurance Company | CopperPoint | 11555 | 1.680 | 48.3% | 2026-07-01 | EDIC-134870500 | $1,183,864 |
| Colonial American Casualty and Surety Company | Zurich Insurance | 34347 | 1.684 | 48.9% | 2026-07-01 | ZURC-134994852 | $0 |
| Nationwide Agribusiness Insurance Company | Nationwide | 28223 | 1.684 | 48.9% | 2026-07-01 | NWPP-G134945433 | $476,412 |
| American Alternative Insurance Corporation | Munich Re Group | 19720 | 1.687 | 49.1% | 2026-07-01 | PERR-134874386 | $131 |
| Texas Mutual Insurance Company | — | 22945 | 1.693 | 49.4% | 2026-07-01 | TMIC-134921672 | $945,615,405 |
| Travelers Property Casualty Company of America | The Travelers | 25674 | 1.698 | 49.7% | 2026-07-01 | TRVD-134901247 | $4,934,787 |
| ACIG Insurance Company | American | 19984 | 1.700 | 51.1% | 2026-07-01 | ACIG-134846641 | $11,821,820 |
| Accident Fund Insurance Company of America | AF Group | 10166 | 1.700 | 51.1% | 2026-07-01 | ACCD-134883768 | $9,695,172 |
| AmGUARD Insurance Company | Berkshire Hathaway | 42390 | 1.700 | 51.1% | 2026-07-01 | AMGD-134891337 | $1,032,544 |
| Central Insurance Company | Central Insurance | 20230 | 1.700 | 51.1% | 2024-07-01 | CEMC-134025475 | $503,676 |
| Nationwide Property and Casualty Insurance Company | Nationwide | 37877 | 1.700 | 51.1% | 2026-07-01 | NWPP-134912065 | $956,943 |
| BITCO National Insurance Company | Old Republic Gen | 20109 | 1.706 | 51.4% | 2026-07-01 | LDDX-134893883 | $2,464,199 |
| CLEAR SPRING PROPERTY AND CASUALTY COMPANY | Group One | 15563 | 1.710 | 51.7% | 2026-07-01 | CSPC-134921654 | $891,181 |
| Great American Alliance Insurance Company | American Financial | 26832 | 1.720 | 52.3% | 2026-07-01 | GACX-134924986 | $17,657,528 |
| Old Republic Insurance Company | Old Republic Gen | 24147 | 1.720 | 52.3% | 2026-07-01 | LDDX-134880412 | $27,580,300 |
Largest Texas carriers by written premium
Largest five nameable ranked Texas carriers by written premium (as printed on the filing; 315 of 350 ranked carriers carry premium). Carriers not named in this product are left out of this list.
| Company | Group | NAIC | LCM | ≤ share | Effective | SERFF tracking | Written premium |
|---|---|---|---|---|---|---|---|
| Texas Mutual Insurance Company | — | 22945 | 1.693 | 49.4% | 2026-07-01 | TMIC-134921672 | $945,615,405 |
| Starr Indemnity & Liability Company | Starr Group | 38318 | 1.887 | 63.1% | 2026-07-01 | SILC-134938089 | $43,673,047 |
| Arch Insurance Company | Arch Insurance | 11150 | 1.932 | 64.9% | 2026-07-01 | AICO-G134896373 | $38,624,312 |
| Travelers Casualty and Surety Company | The Travelers | 19038 | 2.625 | 90.9% | 2026-07-01 | TRVD-134901247 | $30,830,604 |
| Old Republic Insurance Company | Old Republic Gen | 24147 | 1.720 | 52.3% | 2026-07-01 | LDDX-134880412 | $27,580,300 |
04Group view
05LCMs filed in Texas by year
From the published Texas distribution of LCMs filed in each calendar year (every filing, not only current positions). The median band is the 0.05-wide bin holding the middle filing.
| Year | LCMs filed | Median band |
|---|---|---|
| 2020 | 287 | 1.70–1.75 |
| 2021 | 294 | 1.70–1.75 |
| 2022 | 303 | 1.70–1.75 |
| 2023 | 319 | 1.65–1.70 |
| 2024 | 316 | 1.70–1.75 |
| 2025 | 302 | 1.70–1.75 |
| 2026 | 316 | 1.70–1.75 |
Sources and method
Every figure above is drawn from SerffSurf release r7 (20261110T0459Z-874e515c1e), data as of 2026-11-09. Filings downloaded after that date are not included. Ranks and percentiles are the published SerffSurf positions and are never re-estimated. LCMs are not comparable across states or across bureaus: each one multiplies its own state bureau's loss costs, so a 1.20 in one state and a 1.20 in another are not the same price. Every comparison in this report is between Texas carriers only. Each figure can be checked against the public SERFF filing below.
- TMIC-134921672 — Subject LCM (Texas Mutual Insurance Company)
- TMIC-134541713 — Subject's prior filing
- SWNI-133685415 — Peer LCM: Falls Lake National Insurance Company
- SEPX-134912246 — Peer LCM: Florists' Mutual Insurance Company
- MRTN-134964641 — Peer LCM: Incline Casualty Company
- NTIN-134524445 — Peer LCM: National Liability & Fire Insurance Company
- ACCD-134875689 — Peer LCM: Star Insurance Company
- ALNI-134870430 — Peer LCM: Alaska National Insurance Company
- EDIC-134870500 — Peer LCM: Pacific Compensation Insurance Company
- ZURC-134994852 — Peer LCM: Colonial American Casualty and Surety Company
- NWPP-G134945433 — Peer LCM: Nationwide Agribusiness Insurance Company
- PERR-134874386 — Peer LCM: American Alternative Insurance Corporation
- TRVD-134901247 — Peer LCM: Travelers Property Casualty Company of America
- ACIG-134846641 — Peer LCM: ACIG Insurance Company
- ACCD-134883768 — Peer LCM: Accident Fund Insurance Company of America
- AMGD-134891337 — Peer LCM: AmGUARD Insurance Company
- CEMC-134025475 — Peer LCM: Central Insurance Company
- NWPP-134912065 — Peer LCM: Nationwide Property and Casualty Insurance Company
- LDDX-134893883 — Peer LCM: BITCO National Insurance Company
- CSPC-134921654 — Peer LCM: CLEAR SPRING PROPERTY AND CASUALTY COMPANY
- GACX-134924986 — Peer LCM: Great American Alliance Insurance Company
- LDDX-134880412 — Peer LCM: Old Republic Insurance Company
- SILC-134938089 — Largest-premium carrier: Starr Indemnity & Liability Company
- AICO-G134896373 — Largest-premium carrier: Arch Insurance Company
Report SSIR-TX-22945-r7. Bureau: NCCI (National Council on Compensation Insurance). Full platform access is a separate SerffSurf offering at www.serffsurf.com. Questions or corrections: contact@horizonsols.com.