tdi 2018 annual report - texas department of insurance · texas department of insurance 2018 annual...

TDI 2018Annual Report

Texas Department of Insurance333 Guadalupe | Austin, Texas 78701800-578-4677www.tdi.texas.gov

First printing, November 2018Publication ID: TDIAR | 1118This document is available online at www.tdi.texas.gov/reports.

http://www.tdi.texas.gov/reports

Contents

Fiscal Year 2018: Focus on improving customer service .................................................................................... 3

Section I: Agency Overview 5

Section II: Program Areas 9

Administrative Operations Division .........................................................................................................................11

Agency Affairs ..................................................................................................................................................................14

Compliance Division ......................................................................................................................................................15

Financial Regulation Division .....................................................................................................................................17

General Counsel/Chief Clerk Division .....................................................................................................................19

Internal Audit Division...................................................................................................................................................20

Legal and Enforcement Division................................................................................................................................21

Public Affairs Division ....................................................................................................................................................22

Regulatory Policy Division ...........................................................................................................................................23

State Fire Marshal’s Office ...........................................................................................................................................25

Section III: Division of Workers' Compensation 27

Section IV: Data Tables 39

Form filings ........................................................................................................................................................................41

Rehabilitation and liquidation oversight ...............................................................................................................44

Texas insurance market .................................................................................................................................................45

Texas market premiums ................................................................................................................................................46

Texas group market ........................................................................................................................................................47

Company market share .................................................................................................................................................49

Texas Department of Insurance | tdi.texas.gov 3

Texas Department of Insurance 2018 Annual Report

Fiscal Year 2018: Focus on improving customer serviceWith $160 billion of premiums in 2017, Texas is the second largest insurance market in the nation and the eighth largest in the world. The Texas Department of Insurance (TDI) regulates more than 2,800 companies, almost 500,000 insurance agents, and 146,000 adjusters.

At TDI, we’re reviewing our processes with an eye toward improvement at every level. Each review uses three basic principles:

• Review and use best practices.• Modernize technology and processes.• Focus on clear communication.

Key consumer improvements include:• Reduced hold times: After Harvey, insurance agents and adjusters faced hour-long hold

times when they called us. Now they wait about a minute.• Redesigned website: The updated website makes information easier to find and works better

on phones and tablets.• Added consumer tools: We launched TexasHealthcareCosts.org where Texans can find the

cost of common surgeries, tests, and other procedures by ZIP code.• Made our materials easier to read: We revised forms and letters to simplify the language,

trained staff on plain language principles, and created a virtual focus group to help review our consumer materials.

Key process improvements include:• Modernized our open records system: An automated system provides better tracking and

more convenient options for requestors.• Shortened rule timelines: We streamlined development and internal review processes so

rule projects move faster.• Used technology better: We went through a comprehensive best practices review to improve

how we use our existing technology to process applications.• Streamlined filing requirements: We combined the rate and rule filings insurers are required

to send us. This eliminates the need to provide duplicate information and creates a more coordinated review process.

• Improved document management: We rolled out SharePoint to help streamline and better manage legal reviews and rule development.

http://www.TexasHealthcareCosts.org

Texas Department of Insurance | tdi.texas.gov4


Harvey responseHelping Texans recover and rebuild after Hurricane Harvey was a priority in FY 2018. The Texas Department of Insurance:

• Provided immediate help: We sent staff to the affected areas and extended call center hours into the evenings and on weekends to help consumers begin the claims process as quickly as possible.

• Resolved complaints: We helped consumers get an estimated $5.2 million in additional claims payments through our complaint process.

• Shared information: We developed English and Spanish resource web pages and videos and used social media to provide consumers with critical information.

• Worked to deter fraud: Our fraud investigators toured the area and coordinated with local law enforcement to help deter fraud and contractor scams.

• Paved the way to rebuild: Windstorm and inspection staff answered more than 32,000 calls and issued more compliance certificates than any year since 2009, to help homeowners begin rebuilding and making repairs.

• Licensed adjusters: We licensed 14,837 new adjusters and emergency adjusters in the 90 days after the storm.

• Monitored insurer response: We issued a data call and analyzed detailed claims information to assess the storm’s financial impact and monitor the market’s claims handling.

Section I:Agency Overview



Texas Department of InsuranceTDI regulates the state’s insurance industry, oversees the administration of the Texas workers’ compensation system, performs the duties of the State Fire Marshal’s Office, and provides administrative support to the Office of Injured Employee Counsel – a separate agency.

The Texas Insurance Code requires TDI to:• Regulate the business of insurance in Texas.• Protect and ensure the fair treatment of consumers.• Ensure fair competition in the insurance industry to foster a competitive market.• Administer the Texas’ workers’ compensation system as provided by the Texas Labor Code.• Ensure that the Insurance Code and other laws regarding insurance and insurance companies

are executed.

The insurance commissioner is the agency’s chief executive and administrative officer. The commissioner administers and enforces state insurance laws and applicable laws that grant jurisdiction to TDI or the commissioner.

The Division of Workers’ Compensation (DWC), under the direction of the division’s appointed commissioner, oversees the administration and operation of the Texas workers’ compensation system. The division monitors compliance of all parties, taking enforcement action when necessary, to ensure that the Texas Workers’ Compensation Act, Texas Labor Code, and other regulations regarding workers’ compensation are implemented and enforced.

The governor, with advice and consent of the Texas Senate, appoints both commissioners for two-year terms.

Agency visionTDI is a dynamic leader in responsible state, national, and global regulation, consumer protection, and market viability.

Agency missionTDI’s mission is to protect insurance consumers by regulating the industry fairly and diligently, promoting a stable and competitive market, and providing information that makes a difference.

Regulatory approachTDI will exemplify friendly, courteous, ethical, and professional behavior in all areas of performance by:

• Providing the best value in services to the people of Texas.• Applying the law and agency policy fairly and consistently throughout the state.• Communicating openly and providing timely and accurate information to the public we serve,

and to all our fellow employees.



• Communicating internally and externally, evaluating and adjusting the course of the agency in response to changes in conditions.

OfficesThe agency’s insurance and workers’ compensation headquarters are in Austin. To carry out insurance regulation responsibilities, TDI has offices across the state for financial and title examiners; fraud investigators; fire inspectors and investigators; windstorm inspectors; and workers’ compensation claims specialists, benefit review officers, and administrative law judges. Most offices also provide health and safety information.

The agency determines office locations according to claim activity and service demands. For example, financial examiner staff are in areas with major corporation headquarters, windstorm inspection staff are located along the coast to inspect and certify construction complies with windstorm building codes, while title examiners live and work throughout the state. Workers' compensation offices are in areas with high demand for claims services, customer service, and dispute resolution.

Windstorm offices• Angleton • Beaumont • Corpus Christi • La Marque

Financial offices• Dallas • Houston • San Antonio

State Fire Marshal offices• Abilene• Bryan• Cedar Park• Cleburne• College Station• Corpus Christi• Fort Worth

• Fredericksburg• Gilmer• Granbury• Hidalgo• Houston• Ingleside• Livingston

• Lubbock• Lufkin• Mexia• Midland• New Braunfels• Pflugerville• Portland

• San Angelo• San Antonio• Seguin• Springtown• Troup• Tyler

DWC offices• Abilene• Amarillo• Austin• Beaumont• Corpus Christi

• Dallas• Denton• El Paso• Fort Worth• Houston East

• Houston West• Laredo• Lubbock• Lufkin• Midland

• San Angelo• San Antonio• Tyler• Waco• Weslaco

Section II:Program Areas



Administrative Operations DivisionThe Administrative Operations Division is responsible for the agency’s internal financial functions. Its responsibilities include:

• Provide operational support, including computer and database services, professional development, and training to TDI staff.

• Provide administrative support to the Office of Injured Employee Counsel.• Monitor compliance with legislative oversight requirements.• License people and entities involved in the sale of insurance products in Texas.

FY 2018 highlights:• Eliminated many paper applications for agent licenses and saved money by processing

more applications online.• Automated continuing education reminders, deficiency notices, and fines.• Implemented a system that allows job applicants to apply online, eliminating costly, time-

consuming paper applications.• Strengthened security by requiring multi-factor authentication to log into computer systems.

Undercover testing helps identify and correct data security weaknesses. Also increased staff training requirements.

• Rolled out SharePoint to help streamline and better manage legal reviews and rule development.

• Implemented Tableau software that allows the agency to view and analyze data more efficiently.

• Worked with the Texas Facilities Commission to modernize the Hobby building’s elevators, plaza, and lobby.

• Saved nearly $37,000 by completing the DWC Records Retention Center project three months ahead of schedule.

• Eliminated the fee for military personnel and family members who have a license in another state and apply for a similar license in Texas.

• Added license testing sites centers at military bases, universities, and colleges.

Agent and adjuster licensing activities

Activity FY 2014 FY 2015 FY 2016 FY 2017 FY 2018

Agent and adjuster licenses issued 81,814 99,156 104,228 107,390 127,631

Agent and adjuster licenses renewed 147,692 146,578 98,747 140,987 190,051

CE provider registrations and renewals 669 724 793 619 644

CE provider course certification and renewals 6,181 6,397 6,378 5,942 5,809

Company agent appointment activities 794,681 6,139 984,773 996,706 1,059,691

Telephone inquiries 242,308 192,739 169,272 167,926 188,623



Agent and adjuster licenses, certificates, and registrations

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018

County mutual 4,024 4,072 4,618 4,389 3,690

General lines: Life, accident, health, and HMO 193,485 206,868 226,348 236,521 240,844

General lines: Property and casualty 116,917 123,103 133,203 139,221 142,146

Life only agent 28,648 31,427 37,534 42,359 44,477

Personal lines agent 17,292 19,718 22,876 25,024 26,481

Insurance service representative 1,021 981 980 947 909

Life not to exceed $25,000 847 865 898 895 867

Limited lines 5,370 5,670 6,566 7,116 7,048

Managing general agent 1,674 1,742 1,780 1,822 1,801

Funeral prearrangement life insurance agent 3,233 3,543 3,900 4,008 3,791

Surplus lines 6,067 6,403 6,737 6,964 7,075

Adjusters 100,051 109,067 119,848 130,855 145,328

Public insurance adjusters 781 778 824 859 1,024

Full-time home office salaried employees 727 519 754 826 965

Discount health care program operator 51 51 50 47 52

Specialty: Credit 2,572 2,499 2,457 2,373 2,236

Specialty: Travel 1,856 1,935 1,878 1,762 1,632

Specialty: Rental car company 57 57 63 64 59

Specialty: Self-service storage facility 248 256 275 307 342

Specialty: Telecommunication equipment vendor 24 30 30 28 29

Life and health insurance counselors 639 626 648 659 679

Risk managers 1,122 1,124 1,137 1,118 1,113

Re-insurance intermediary 1,235 1,098 879 980 838

Title agents 561 559 568 582 587

Direct operations licenses 6 6 8 10 10

Escrow officers 6,219 6,494 6,950 7,191 7,314

Captive management companies 11 18 25 30 34

Total 494,738 529,509 581,834 616,957 641,371



Maintenance tax rate comparison

Type Max allowed 2013 2014 2015 2016 2017

Motor vehicle 0.2 0.1 0.1 0.1 0.1 0.1

Fire 1.3 0.4 0.3 0.3 0.4 0.3

Workers’ compensation 0.6 0.1 0.1 0.1 0.1 0.1

Casualty 0.4 0.1 0.1 0.1 0.1 0.1

Title 1.0 0.1 0.1 0.1 0.1 0.1

Life, accident, and health 0.0 0.0 0.0 0.0 0.0 0.0

Third-party administrators 1.0 0.0 0.0 0.0 0.0 0.0

Prepaid legal 1.0 0.0 0.0 0.0 0.0 0.0

Workers’ compensation evaluation 0.1 0.0 0.0 0.0 0.0 0.1

Division of Workers’ Compensation 2.0 1.5 1.5 1.5 1.8 2.0

HMO multi-service* $ 2.00 $ 0.78 $ 0.84 $ 0.84 $ 0.69 $ 0.72

HMO single-service* $ 2.00 $ 0.26 $ 0.28 $ 0.28 $ 0.23 $ 0.24

HMO limited service* $ 2.00 $ 0.26 $ 0.28 $ 0.28 $ 0.23 $ 0.24

* HMO rates reflect a dollar amount per enrollee; other rates are given as a percentage.



Agency AffairsAgency Affairs provides coordination and analysis to help executive leadership develop and monitor state and federal regulatory policy and legislative recommendations. The division includes Government Relations, which directs and tracks responses to legislative inquiries; monitors, tracks, and analyzes legislation affecting the agency and industry; and manages appointments to agency boards and committees.

FY18 highlights:• Led outreach to stakeholders to get suggestions for TDI’s biennial report on recommended

legislation, which is due December 31, 2018.• Provided legislative offices with updates on commissioner’s initiatives and implementation

of insurance bills from the 85th Texas Legislature.



Compliance DivisionThe Compliance Division protects consumers by overseeing insurance companies and agents and their interactions with consumers. The division includes the Consumer Protection Section and the Fraud Unit.

Consumer ProtectionThe Consumer Protection Section helps Texans resolve insurance complaints and provides insurance information to the public through a toll-free Consumer Help Line, outreach events, publications, and online.

FY 2018 highlights:• Implemented a new complaint processing and workflow system to improve efficiency.• Reorganized front-line staff resulting in better cross training and more flexibility during

high-volume events.• Answered more than 412,000 consumer calls.• Resolved nearly 20,000 complaints, helping consumers get $42.9 million in additional claim

payments and premium refunds.• Completed more than 500 outreach presentations to help consumers better understand

insurance.• Helped consumers after Hurricane Harvey, other storms, and widespread flooding in North,

Central, and Southeast Texas.

Fraud UnitThe Fraud Unit investigates allegations of insurance crimes and works with state and federal prosecuting agencies. Investigations typically involve one of the following types of fraud:

• Claim fraud committed by consumers or health care providers against insurance companies. This includes: staged or fake accidents; fake burglary and auto theft claims; arson for profit; claims for medical services that were not provided or were inflated; personal injury schemes; exaggerated claims; organized fraud schemes; disability claimant and provider fraud; and life insurance or annuity fraud.

• Agent crimes, such as issuing fictitious policies or stealing premium payments.• Insurance company officers’ and directors’ fraudulent activities, including false financial

statements to TDI and misuse of company funds.• The sale of insurance products not authorized by TDI or work done by individuals not licensed

to conduct the business of insurance in Texas.• Mortgage fraud, including fraud by escrow officers, title insurance agents, and title insurance

companies.

Fraud Unit investigators are commissioned state peace officers. The unit also has prosecutors in the district attorneys’ offices in Bexar, Dallas, Harris, Tarrant, and Travis counties.



FY 2018 highlights:• Referred 75 new suspects to state or federal prosecutors in 21 Texas counties, representing

$9.7 million in identified fraud.• Obtained $13.7 million in court-ordered restitution for fraud victims.• Worked on cases involving 79 individuals who were sentenced to a combined 182 years in

jail, 46 years of probation, 150 years of deferred adjudication, 4,200 hours of community service, and $64,050 in fines.

Key cases:• In Tarrant County, the former owner of Millennium Title was sentenced to 10 years in prison

and ordered to pay $8.6 million after a Fraud Unit investigation found she had stolen millions from her clients and investors. Millennium Title was ordered into liquidation.

• An attorney was convicted in Tarrant County of a third-degree felony for filing fraudulent lawsuits, also known as barratry. He was sentenced to five years’ in jail and ordered to pay $15,195 in restitution. His law office had filed suits and claims on behalf of storm victims that they were not aware of.

• A licensed insurance agent created fake annuity documents and defrauded an elderly victim. The agent was convicted in Swisher County and sentenced to life in prison and ordered to pay $100,000 to the victim.



Financial Regulation DivisionThe Financial Regulation Division ensures that insurers and HMOs have adequate assets to pay their claims and treat consumers as required by statute and rule. It uses a proactive approach and early intervention strategy to protect consumers and minimize the risk and impact of company insolvencies. Division responsibilities include:

• Perform solvency and market conduct surveillance.• Enforce managed care network adequacy standards.• Conduct continuous financial analysis and insurer monitoring.• Perform on-site financial, market conduct, title agent, and quality-of-care examinations.• Supervise insurers, insurance groups, and other risk-bearing entities.• License, register, and certify insurers.• Certify utilization review agents and independent review organizations.• Lead regulatory interventions including receivership for rehabilitation or liquidation.

Financial statements filed by authorized insurers and HMOs for calendar year 2017 reflected $160.5 billion in Texas premiums and $134.4 billion in claim payments. These companies reported $9.1 trillion in total assets, $7.6 trillion in liabilities, and $1.3 trillion in capital and surplus. Premiums reported by all other insurance companies for calendar year 2017 reflected $5.8 billion in Texas premiums.

FY 2018 highlights:• Implemented a risk-focused assessment process, which was developed as a best practice

among state regulators. The approach enhances early solvency detection through prospective risk analysis.

• Achieved a 25 percent increase in completed examinations through process and training improvements. We did this by improving how we scheduled examinations and leveraging work of other TDI programs, state regulators, and independent and internal insurer auditors. Overall, these changes reduce the cost of regulation without reducing the effectiveness of TDI oversight.

Texas Guaranty Association assessments

Type 2013 2014 2015 2016 2017

Life and health $ 11,616,792 $ 3,899,715 $ - $ 1,999,960 *$ 130,000,008

Property and casualty - - - 20,091,552 -

Title 2,500,000 - - - 6,000,000

TSIG 122,247 126,421 126,369 126,380 -

Total $ 14,239,039 $ 4,026,136 $ 126,369 $ 22,217,892 $ 136,000,008

* Represents statutory coverage obligations to Texas consumers related to Penn Treaty Network America Insurance Company and American Network Insurance Company, which were placed in liquidation in March 2017.



Texas policyholder premiums and claim payments

Type 2013 2014 2015 2016 2017

Premiums (in billions) $ 128.80 $ 139.20 $ 149.80 $ 152.30 $ 160.50

Claim payments (in billions) $ 91.70 $ 97.90 $ 108.10 $ 119.30 $ 134.40

Payments as a percent of premium 71.2 70.3 72.1 78.3 83.7

Company licenses

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018

Risk bearing*

Insurance companies 1,819 1,815 1,800 1,800 1,811

HMOs 57 56 57 61 64

Captive insurance companies 5 12 25 32 39

Non-risk bearing‡

Premium finance companies 184 184 177 188 189

Continuing care retirement communities 33 33 34 34 36

Third-party administrators 684 672 691 700 680

Total 2,782 2,772 2,784 2,815 2,819

* Does not include 119 foreign risk-retention groups, 215 alien and foreign surplus lines carriers, or two domestic surplus lines carriers.

‡ Does not include 26 premium finance branches.

Financial regulation activities


Financial analysis reviews 663 619 618 674 641

Financial and market conduct examinations 116 116 110 105 131

Quality of care examinations 49 31 25 26 22

Annual escrow audits reviewed 540 553 576 572 553

Title examinations conducted 286 308 266 289 265

Network adequacy reports* 43 47 181 224 239

Access plans* 9 17 107 173 205

Approved utilization review agent applications 327 187 234 291 318

Approved independent review org. applications 64 40 45 27 49

* Information reported for FY 2013-16 included data for exclusive provider benefit plans and preferred provider benefit plans. Starting in FY 2017, the data includes reports filed by HMO plans, reflecting a change in rules adopted during the fiscal year.



General Counsel/Chief Clerk DivisionThe General Counsel/Chief Clerk Division advises the commissioner on legal matters and topics, including state and federal law application, commissioner orders, appeals, and agency policy. The division also represents the agency in employment, state purchasing, and contract matters. The division is headed by the general counsel and includes three assistant general counsels and an assistant general counsel/chief clerk who manages the Chief Clerk’s Office and the Open Record’s Office.

The Chief Clerk’s Office certifies records; sends rule filings and notices to the Texas Register; sets cases with the State Office of Administrative Hearings; requests Attorney General representation; and provides agency court reporting services.

The Open Record's Office oversees the agency’s open records process and includes the agency public information coordinator. The agency processed almost 11,000 requests for public information in FY 2018. The agency also moved to a new open records system, replacing a 20-year-old legacy system. The new system provides better tracking and more convenient options for requestors, including on-demand status updates and electronic payments.



Internal Audit DivisionThe Internal Audit Division provides independent, objective assurance and consulting activities designed to improve the agency’s operations. The division helps the agency accomplish its goals and objectives by evaluating the effectiveness of risk management, controls, and governance throughout TDI. The Internal Audit Division provides analyses, appraisals, recommendations, counsel, and information that promotes effective control at reasonable cost.

FY 2018 highlights:• Redesigned the annual risk assessment process for audit planning to increase staff input.

Changes included sending out agencywide surveys instead of surveys to select management and incorporating information from division risk assessments.

• Adopted a more efficient operating structure by hiring another auditor instead of replacing an executive assistant and absorbing necessary administrative duties.

• Participated in an external quality assurance review of the internal audit division of the Texas Commission on Environmental Quality.

• Managed graduate students from the University of Texas McCombs School of Business as they conducted a self-assessment of the division using Texas State Agency Internal Audit Forum guidelines.



Legal and Enforcement DivisionThe Legal and Enforcement Division provides legal services to the commissioner and staff and takes enforcement action as necessary. A deputy commissioner heads up the division, which has two sections, the Legal Section and the Enforcement Section.

The Legal Section drafts rules, orders, and bulletins; provides support for legislative issues, litigation, and subpoenas involving the agency; and advises the agency on rate and form issues for all lines of insurance and other issues.

The Enforcement Section investigates alleged law and rule violations by insurance agents and companies, HMOs, and other licensed and unlicensed entities, and takes disciplinary action as necessary. The section also handles issues related to entities engaging in the business of insurance without the proper licensure, unfair or deceptive acts or practices, unfair claims settlement practices, and excessive rates. Penalties may include restitution to consumers, administrative penalties, cease and desist orders, license application denials, license revocations and suspensions, monitored probations, and rate reductions. The section also analyzes agency data to provide compliance monitoring and refers cases to the TDI Fraud Unit for criminal prosecution. The section works with the Office of the Attorney General on appeals of disciplinary actions and on other legal matters.

FY 2018 highlights:• Resolved more than 1,100 cases, of which 826 were concluded with an enforcement action.• Assessed $4.7 million in restitution and $6.3 million in penalties.• Resolved more than 400 enforcement cases related to licensing through commissioner’s

orders, license surrenders, and warning letters.



Public Affairs DivisionThe Public Affairs Division is responsible for responding to media calls, issuing news releases, and developing content for social media and other proactive communications. The division manages the agency's website and social media accounts, produces videos, and oversees an email subscription service to send out agency news and updates. Public Affairs also provides editing and design services to other TDI divisions, handles organizational and logistical support for conferences, and produces a weekly internal newsletter and the agency’s annual report.

FY 2018 highlights:• Redesigned the agency website. The updated site makes information easier to find and

works better on phones and tablets.• Developed a “Help after Harvey” section of the TDI website with English and Spanish

information and videos to help consumers file claims and avoid fraud.• Increased the number of subscribers to our email news service by 19 percent and used the

system to send out 5.2 million messages.• Coordinated an agencywide plain language initiative to make agency communications

easier to read. This included revising consumer forms and agent and adjuster letters. We also created a focus group of consumers and other stakeholders available by email to help review our consumer materials.

• Launched monthly Facebook Live events on a variety of topics as part of the agency’s social media outreach strategy.

Social media followers

S LinkedIn " SFMO Twitter ! SFMO Facebook N TDI Twitter M TDI Facebook

4,000

3,500

3,000

2,500

2,000

Sept Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug

S3,566

S2,974

"3,211

"2,653 M

2,762

M2,016

N3,067

N2,264

!3,780

!2,314



Regulatory Policy DivisionThe Regulatory Policy Division regulates a wide range of products and coverages offered by insurance companies and HMOs. Specifically, the division oversees and manages regulatory matters, reviews form and rate filings, researches and collects data, publishes reports to help policymakers and consumers with insurance-related decisions, and manages the TexasSure Vehicle Insurance Verification program and other special policy initiatives.

Detailed information about form filings received and processed in FY 2018 can be found in Section IV: Data Tables.

FY 2018 highlights:• Collected information from health carriers on the average billed charges and carrier

reimbursement rates for certain health care services and published the information on a the new Texas Healthcare Costs website.

• Analyzed results from a special data call to determine the impact of Hurricane Harvey claims on the property and casualty industry.

• Streamlined and reduced the number of filings insurers need to submit. In December 2017, TDI eliminated manual rule filings and required insurers to submit the information in their rate filings. This change also improved the efficiency of manual rule reviews.

• Collected data for a legislative report about parity between medical and surgical benefits and mental health and substance use disorder benefits, as required under House Bill 10 from the 2017 Texas Legislature.

• Helped Financial Regulation approve insurer participation in TWIA’s assumption reinsurance depopulation program under Texas Insurance Code, Chapter 2210, Subchapter O.

• Surveyed voluntary market property insurers on potential market incentives to encourage them to write more wind and hail coverage on the coast under Texas Insurance Code 2210.015.

Inspections OfficeThe Regulatory Policy Division includes the TDI Inspections Office, which oversees amusement rides and insurer loss control inspections, evaluates and recommends building code standards, and conducts oversight inspections of professional engineers certifying structures for windstorm coverage. It includes the Windstorm Inspections Program to ensure compliance with building specifications for commercial and residential structures covered by TWIA.



Windstorm operations


Applications processed 31,531 24,773 44,320 33,983 50,341

Inspections completed 7,600 8,804 9,276 5,517 6,828

Certificates of compliance issued 29,724 31,734 41,604 32,020 41,784

Amusement Ride Safety and Insurance Act activities


Inspection certificates approved 9,278 9,558 9,334 10,521 9,597

Injuries reported 69 121 110 89 77

Non-compliant operators sent to enforcement 240 169 326 334 301

Loss Control Inspection activities


Completed evaluations 204 214 208 200 208

Companies rated adequate 203 213 206 194 203

Companies rated less than adequate 1 1 2 6 5

Loss control representative applications reviewed 257 304 379 346 265

Engineering Services activities


Building code interpretations provided 3,892 4,060 3,533 3,005 2,964

Product evaluations 2,187 2,154 1,985 1,464 1,409



State Fire Marshal’s OfficeThe State Fire Marshal's Office develops and promotes methods that help communities prevent and reduce fire losses. SFMO's responsibilities include:

• Investigating the cause and origin of fires.• Conducting building inspections.• Providing code enforcement.• Regulating the fire protection industry.• Oversight of public protection classification.• Developing and promoting fire prevention programs.

FY 2018 highlights:• Signed a new interagency fleet management agreement with the University of Texas, which

will result in lower rates to repair SFMO vehicles.• Made more licensing applications and renewals available online.• Launched a new permit system that allows retail fireworks businesses to make electronic

payments.• Referred 131 arson cases to prosecution, resulting in 74 arrests.• Assessed nearly $40,000 in penalties for fire alarm, extinguisher, sprinkler, and fireworks

violations.• Transferred management of the state’s arson lab to the Texas Department of Public Safety.

The four-person lab is now supported by DPS's network of labs in 13 locations.

State Fire Marshal’s Office activities

Activity FY 2017 FY 2018 Annual Target

Completed fire investigations 609 721 600

Investigations/inspections of complaints against fire protection equipment/fireworks industries 807 780 550

Buildings inspected/re-inspected for fire safety hazards 5,807 5,830 5,200

Section III:Division of Workers' Compensation



Division of Workers' CompensationThe primary duties of the Division of Workers’ Compensation (DWC) are to regulate and administer the workers’ compensation system in Texas, and to ensure that the Texas Labor Code regarding workers’ compensation is implemented and enforced. The basic goals of the Texas workers’ compensation system are to ensure that injured employees:

• Are treated with dignity and respect when injured on the job.• Have access to a fair and accessible dispute resolution process.• Have access to prompt, high-quality medical care.• Receive services that facilitate return to work as soon as it is considered safe and appropriate

by the employee’s health care provider.

DWC consists of the Commissioner’s Administration and five major program areas: Health and Safety, Compliance and Investigations, Hearings, Claims and Customer Services, and Business Process.

Commissioner’s AdministrationCommissioner’s Administration includes DWC Affairs and Strategic Planning, the Office of External Relations, the Office of the General Counsel, the Office of the Medical Advisor, and the Appeals Panel.

DWC Affairs and Strategic PlanningThe deputy commissioner for DWC Affairs and Strategic Planning serves as the chief adviser to the workers’ compensation commissioner and primary liaison with the insurance commissioner and TDI operations. The deputy commissioner assists the commissioner with strategic planning and policy guidance and oversees and coordinates executive decision-making for DWC. The deputy commissioner oversees the activities of the special advisor, who performs qualitative research and policy guidance on workers’ compensation issues. The deputy commissioner also oversees DWC Communications and the Workers’ Compensation Research and Evaluation Group.

DWC Communications develops and reviews internal and external communications for DWC, producing a variety of visual and print media that promote DWC’s mission, regulatory initiatives, programs, and educational outreach opportunities. DWC Communications also creates strategic plans for upcoming events and communication notices, edits all DWC-related external communications prior to public distribution, and manages distribution of those communications. Communications houses DWC’s media relations, and is also responsible for marketing DWC’s annual conference, which is the primary outreach and education event for the Texas workers’ compensation system. The agency’s translation services operate out of DWC Communications.

FY 2018 highlights include:• Completed plain language revisions to 30 of the most common letters that injured employees

receive to make them easier to read and understand. Work is underway to revise 100 other letters that are sent to injured employees.



• Redesigned and revised DWC web pages to enable injured employees and other stakeholders to navigate the site more easily and find information they need more quickly.

• Produced 14 videos in English and Spanish to help injured employees through the claims process, including videos on employee rights and responsibilities, benefit types, and how to resolve a dispute. Since March of 2018 these videos have received almost 9,000 views.

• Developed a video and web page to help first responders understand their unique rights in the workers’ compensation system.

Workers’ Compensation Research and Evaluation Group (REG) conducts research projects on systemwide issues, such as medical costs and utilization of care trends, return-to-work outcomes for injured employees, and employer participation in the workers’ compensation system. The Texas Legislature, stakeholders, and research entities across the country use and cite REG’s research studies on a variety of topics. REG also presents findings and produces an annual report card for certified workers’ compensation health care networks and political subdivisions. The workers’ compensation commissioner reviews and adopts REG’s annual research agenda.

FY 2018 highlights include:• Completed five research projects to examine the operational effectiveness of the workers’

compensation system:• The 2017 Annual Network Report Card, which compared medical costs, utilization of care,

access to care, satisfaction with care, return-to-work outcomes, and functional outcomes for 16 certified health care networks and political subdivision health plans with non-network claims. The report card continued to show that networks treat injured employees at lower costs and produce better outcomes compared to non-network claims.

• Injured Employees with Multiple Injuries, which studied how often multiple-injury claims occur in the Texas workers’ compensation system, estimated re-injury rates by demographic and injury characteristics, and examined risk factors for injuries by comparing injured employees with a single injury to those with multiple injuries.

• Outcome Comparisons of Return-to-Work Rehabilitation Programs, which studied return-to-work programs by accreditation status.

• Income Benefit Adequacy in the Texas Workers’ Compensation System, 2000-2014, which studied estimates of the extent to which lost wages are replaced by income benefits received by injured employees during the injury period.

• Access to Medical Care in the Texas Workers’ Compensation System, which measured the effectiveness of the workers’ compensation system to deliver timely and appropriate medical care to injured employees in Texas.

• Initiated five research projects:• Setting the Standard: An Analysis of the Impact of the 2005 Legislative Reforms on the

Texas Workers’ Compensation System, 2018 Results.• The biennial update of non-subscription estimates, entitled Employer Participation in the

Texas Workers’ Compensation System: 2018 Estimates.• Analyzed designated doctor program trends in the Texas workers’ compensation system.



• A study of the return-to-work rates at which injured employees are able to resume working after a work-place injury.

• A study of the impact of DWC’s implementation of the Texas workers’ compensation pharmacy closed formulary, to include functional outcomes, return-to-work rates, and injured employee satisfaction.

The Office of External RelationsThis office handles all DWC government relations and legislative activities, as well as stakeholder outreach. It also coordinates DWC’s external communications to ensure consistency and cultivates positive relationships with the Texas Legislature and other stakeholders.

FY 2018 highlights:• Completed sessions on the basics of workers’ compensation and current issues with

legislative and state government staff.• Coordinated stakeholder outreach for all DWC rule projects and gathered input from system

participants on the impact of proposed rule changes. Many of these projects were the result of legislation passed in the 85th Texas Legislature, 2017.

Office of the General CounselThis office advises the workers’ compensation commissioner on legal matters affecting DWC, reviews litigation, and coordinates legal analysis of policy issues. It also advises DWC on legal matters relating to rulemaking, open records, legislation, policy, and specific legal issues involving various program areas. The office includes Self-Insurance Regulation, which issues certificates of authority to self-insure to qualified private employers. It also includes the administration of the Subsequent Injury Fund, which issues Lifetime Income Benefits to eligible injured employees and reimbursements to workers’ compensation carriers in accordance with statutory directives.

FY 2018 highlights:• Managed the adoption of new and amended agency rules addressing, among other

topics, preauthorization of compounded medications, the repeal of outdated rules, and telemedicine services within the workers’ compensation system.

• Developed case strategies and responsive pleadings in state and federal court regarding air ambulance litigation, which involved federal law challenges to DWC's authority to adjudicate fee disputes in accordance with current DWC fee guidelines.

• Developed new processes and forms assisting the Subsequent Injury Fund claims review process, recording payment information, and communicating reimbursement decisions.

Office of the Medical AdvisorThis office monitors health care quality in the workers’ compensation system by conducting health care provider and other system participant reviews. It also recommends rules and policies regarding medical care and medical delivery systems to the workers’ compensation commissioner, and determines which doctors meet the qualifications for serving as designated doctors.



The Appeals PanelThe Appeals Panel is the highest level in the workers’ compensation administrative dispute resolution process. It reviews appeals of decisions of administrative law judges (ALJs) in DWC contested case hearings (CCHs), except for appeals of decisions in medical necessity disputes.

The Appeals Panel issues written decisions in cases in which it affirms, reverses and renders, or reverses and remands a decision of the ALJ. The panel may only issue a written decision on an affirmed case to discuss a case of first impression, to address recent changes in law, or to correct errors made at the CCH level that do not affect the outcome of the hearing.

If the Appeals Panel does not issue a written decision in a case, a letter is sent to the parties notifying them that the ALJ’s decision has become final and has become the decision of the Appeals Panel. In FY 2018, the Appeals Panel issued 3,042 decisions (2,914 final letters and 128 written affirmed and reversed decisions). Beyond the Appeals Panel, the next step in the dispute resolution process is a request for judicial review.

Health and SafetyThe deputy commissioner for Health and Safety oversees the Health Care Business Management, Medical Fee Dispute Resolution, Workplace Safety, and Return-to-Work sections.

Health Care Business ManagementHealth Care Business Management supports the operations of the medical advisor and the Medical Quality Review Panel. The panel reviews the actions of doctors and other health care providers, insurance carriers, utilization review agents, and independent review organizations, and makes recommendations to the Office of the Medical Advisor. This section provides internal and external training on medical benefits, as well as outreach to encourage health care providers to participate in the Texas workers’ compensation system. It also researches and analyzes economic factors and treatment protocols to help the commissioner develop rules and guidelines for medical treatments and return-to-work programs.

FY 2018 highlights:• Encouraged quality-of-care improvements by investigating 155 complaints, which led to 10

referrals to Enforcement, 17 letters of education, and nine medical quality reviews.• Completed a Designated Doctor Plan-Based Audit of 10 subjects. The audit revealed that

the designated doctors referred injured employees for additional testing without the proper supporting documentation. In addition, their reports did not contain the information required by rule. As a result, all 10 subjects of the audit were referred to Enforcement.

• Initiated a Lumbar Spine MRI Plan-Based Audit of 10 subjects. The purpose of the audit was to evaluate the appropriateness of doctor decisions and recordkeeping in ordering lumbar spine MRIs prior to one month of conservative therapy.

• Initiated an Opioids Plan-Based Audit of 10 subjects. The purpose of the audit was to evaluate the appropriateness of health care provider decision-making and recordkeeping to support prescribing opioids for treatment plans tailored to specific injured employees.



Medical Fee Dispute ResolutionMedical Fee Dispute Resolution resolves disputes over the amount of payment for services determined to be medically necessary and appropriate for the treatment of a work-related injury.

FY 2018 highlights:• Resolved more than 4,400 medical fee disputes, with a total amount in dispute of $10.6

million. About $5.5 million was resolved through education and agreements, with $5.1 million resolved by DWC decisions.

• Continued to reduce a backlog of pending medical fee disputes from 17,054 in August 2009 to about 1,200 in August 2018. This does not include about 1,200 air ambulance disputes that were abated due to ongoing litigation. The reduction allows quicker resolution of new disputes and frees DWC resources for other priorities. Resolving disputes quickly benefits health care providers, insurance carriers, and injured employees.

Workplace SafetyWorkplace Safety provides Texas employers and employees with health and safety resources and services to help prevent occupational injuries and illnesses. This includes occupational safety and health consultations, safety training and educational materials, insurance company loss control inspections, a safety violations hotline, and Texas injury and illness data collection for the U.S. Department of Labor, Bureau of Labor Statistics.

FY 2018 highlights:• Presented Lone Star Safety Program awards to 10 companies with exemplary workplace

safety programs and low rates of work-related injuries and illnesses. Highlighting employers that have made safety a priority encourages others to participate in the program, which helps them save money and keep employees safer on the job.

• Helped employers improve safety programs and assess their work sites for safety by performing 3,159 safety inspections and consultations.

• Reduced workplace risk for thousands of employees by working with employers to remove 6,098 safety hazards.

• Provided direct safety intervention to 69,575 employees through face-to-face training, DVDs, and other safety products and services.

• Improved construction workplace safety and health hazard awareness by training 1,127 employees in 68 free OSHA classes.

• Worked to reduce fatal transportation incidents through online occupational driving safety guidance that was viewed more than 16,790 times. Workplace Safety also hosted three train-the-trainer classes for the National Safety Council’s “Our Driving Concern: Texas Employer Traffic Safety” program, and two “Drug Impairment Training for Texas Employers” courses.



Return to WorkReturn to Work provides internal and external training on the importance of bringing an injured employee back to work. This section also administers a grant program for small employers that provides reimbursement for workplace modifications that assist an employee’s return to work.

FY 2018 highlights:• Improved employee return-to-work rates by training 7,234 employers at 42 seminars and

presentations across the state.• Provided return-to-work outreach training to 291 health care providers to help improve

injured employee outcomes.• Provided 226,730 injured employees with return-to-work resources and a checklist to

enhance communication with their health care provider, insurance carrier, and DWC.• Provided return-to-work education through easily accessible web publications that were

viewed 6,671 times. System stakeholders also received 2,646 hard copies of DWC’s return-to-work publication.

• The percentage of network injured employees who went back to work after their injury increased by 7 percentage points, from 87 percent in 2011 to 94 percent in 2018. The return-to-work rate for non-network injured employees has remained relatively steady at 88 percent for the same timeframe.

Compliance and InvestigationsCompliance and Investigations monitors system compliance, pursues enforcement of violations under the Texas Labor Code, and oversees the investigation and prosecution of workers’ compensation fraud. Compliance and Investigations includes the following sections: Compliance Review, Monitoring and Analysis, Audits and Investigations; Enforcement; the Fraud Unit; and the Fraud Prosecution Unit.

Compliance Review, Monitoring and Analysis, and Audits and InvestigationsThis section is responsible for monitoring compliance by system participants. They analyze system data, identify noncompliance, make referrals for enforcement proceedings, perform audits, and administer the Performance Based Oversight program (a legislatively required biennial report card for insurance carriers and health care providers).

FY 2018 highlights:• Returned more than $350,000 to system participants by resolving more than 5,800

complaints.• Returned more than $420,000 to injured employees, their beneficiaries, and the Subsequent

Injury Fund by completing 59 performance audits.• Reviewed 152 health care providers for timeliness of filing the DWC Form-069, Report of

Medical Evaluations. Of those, 113 had scores placing them in the high performer tier, 30 were in the average performer tier, and nine had scores placing them in the poor performer tier.



• Reviewed 87 health care providers for completeness of the DWC Form-073, Work Status Report. Of those, 50 had scores placing them in the high performer tier, 26 were in the average performer tier, and 11 had scores placing them in the poor performer tier.

• Reviewed 87 health care providers for documentation supporting why the injured employee was prevented from returning to work, as reported on the DWC Form-073, Work Status Report. Of those, 41 had scores placing them in the high performer tier, 29 were in the average performer tier, and 17 had scores placing them in the poor performer tier.

EnforcementEnforcement oversees the intake, investigation, and enforcement of alleged violations in the workers’ compensation system. Enforcement actions are generally based on priorities set by the commissioner, but may also be the result of the DWC’s medical review process, complaints, direct referrals to Enforcement, or other monitoring initiatives. Enforcement cases may be resolved through a consent order, warning letter, or may proceed to the State Office of Administrative Hearings (SOAH) for an evidentiary hearing. Medical review cases include an informal settlement process involving Medical Quality Review Panel members, respondents, and their attorneys.

FY 2018 highlights:• Opened 256 cases.• Assessed $815,755 in fines.• Conducted 165 investigations.• Resolved 19 DWC health care provider/designated doctor cases through monetary penalties,

continuing education, and cease and desist orders.

Fraud UnitThe Fraud Unit investigates allegations of workers’ compensation insurance fraud. Its responsibilities include reviewing fraud reports from system participants, conducting investigations, and working with state and federal prosecuting agencies. Investigations typically involve one of the following types of fraud:

• Premium fraud, committed by employers through misclassification and false certificates.• Insurance carrier fraud, which includes insurance carrier officers and directors who commit

fraudulent activities such as fictitious claims and kickbacks.• Health care provider fraud, which includes overbilling, up-coding, and billing for services

not provided.• Attorney fraud, which includes overbilling, false claims, and kickbacks.• Claimant fraud, committed by injured employees, which includes working and drawing

benefits, malingering, and false claims.



Fraud Prosecution UnitThe Fraud Prosecution Unit was formed in September 2017, in accordance with a budget rider passed by the 2017 Texas Legislature. The unit is embedded with the Travis County District Attorney’s Office and consists of four employees, including a prosecutor and an investigator.

FY 2018 highlights:• Opened 170 workers’ compensation fraud investigations.• Referred 29 workers’ compensation fraud cases for prosecution.• Obtained 13 indictments.• Obtained 14 convictions (11 injured employees, one employer, and two health care

providers.)• Obtained more than $470,000 in restitution to victims.

HearingsHearings oversees a multi-tiered administrative dispute-resolution system for indemnity disputes and certain medical disputes. This system starts with benefit review conferences (BRCs), in which the parties try to mediate their disputes, and then progresses to more formal contested case hearings (CCHs) if parties are unable to reach an agreement. At a CCH, the parties present evidence in support of their argument to an ALJ, who then issues a written decision on the disputed issues. These proceedings are held at DWC offices and other sites across the state. Issues not resolved to either party’s satisfaction through BRCs and CCHs may be appealed to DWC’s Appeals Panel.

FY 2018 highlights:• Facilitated the resolution of benefit disputes between injured employees and insurance

carriers by conducting 12,738 BRCs and 6,478 CCHs.• Shortened the time required to resolve disputes from an average of 151 days in FY 2017

to 122 days in FY 2018.• Improved efficiency by making it easier for parties to skip the BRC phase when they are

ready to proceed to hearing and an agreement is unlikely.• Improved efficiency by only scheduling a second BRC when doing so was likely to result in

an agreement or was necessary to develop facts. The percentage of disputes that included a second BRC decreased from 47 percent in FY 2017 to 40 percent in FY 2018.

• Continued implementing online dispute resolution to allow parties to participate remotely in BRCs by video conferencing, document sharing, and virtual breakout rooms for private caucuses. Conducted 20 video BRCs in Austin FY 2018 as part of an ongoing pilot project.

Claims and Customer ServicesClaims and Customer Services provides education and promotes informal dispute resolution by facilitating communication between system participants. Injured employees and other system participants who need information and assistance may visit one of 20 local offices or call the Claims and Customer Services line. Designated office staff are assigned as the DWC single point of contact for injured employees receiving services from DWC. Claims and Customer Services oversees the



operation of DWC offices across the state and related functions in the Austin headquarters.

FY 2018 highlights:• Provided information and assistance to about 150,000 injured employees and other system

participants in the virtual call center, assisted about 4,200 injured employees at offices, and processed more than 13,000 requests from insurance carriers or injured employees on a variety of issues.

• Increased outreach efforts by hosting 232 free education sessions across the state for injured employees as well as education presentations for treating doctors and employers.

• Conducted internal compliance workshops that resulted in the identification and referral of 4,043 potential administrative violations to Compliance and Investigations for further action.

• Facilitated dispute resolution by helping designated doctors obtain medical records needed to perform examinations for more than 900 claims.

• Implemented a new Spanish call center in El Paso to improve customer service for Spanish-speaking injured employees and to provide interpretive services to DWC staff in field offices.

Business ProcessBusiness Process is responsible for activities that support DWC's administration of the workers’ compensation system. This program area oversees Designated Doctor Education and Operations, Outreach Planning and Coordination, Information Management Services, and Records Management and Support.

Designated Doctor Education and OperationsDesignated Doctor Education and Operations provides education, training, resources, and direction to designated doctors and other system participants to ensure qualified doctors evaluate injured employees. This section also oversees designated doctor examination scheduling and testing, including test development and administration. In FY 2018, 331 doctors attended DWC-sponsored designated doctor certification courses, and 348 doctors attended other designated doctor training events.

FY 2018 highlights:• Adopted a rule that updates designated doctor qualifications and clarifies the method for

scheduling designated doctor examinations. The purpose of these changes is to increase physician participation in the designated doctor program, clarify qualification requirements for designated doctors, and increase the transparency of the program.

• Implemented a performance review plan for designated doctors to monitor the quality of their reports. The results of these reviews will assist in the recertification process and strengthen DWC’s efforts to provide education and feedback to doctors.

• Offered 10 case-based workshops for designated doctors through webinars, reducing costs for doctors attending the training.



Information ManagementInformation Management works to streamline and increase the effectiveness of service delivery and provides automated solutions to the business process needs of DWC and system stakeholders. This section also maintains processes for retrieving workers’ compensation claim data requested by system participants.

FY 2018 highlights:• Began a project to update one of DWC’s legacy systems, TXCOMP Provider, to a more

current technological platform. This project decreases risk for the agency and will make future system updates easier.

• Increased use of DWC’s electronic document processing services. These services, including faxback receipt and secure file transfer, increase the security of information submitted to DWC and further the goal of creating a paperless claims environment.

• Made improvements to DWC tracking of dispute outcomes for designated doctor reports. These technological improvements will result in more timely feedback to designated doctors regarding the use of their reports at CCHs held by DWC.

Outreach Planning and CoordinationOutreach Planning and Coordination oversees delivery of educational opportunities to system participants through education and conferences, speaking engagement coordination, and agency calendar management. This section also provides support for DWC internal and external training.

FY 2018 highlights:• Organized the annual Texas Workers’ Compensation Conference, providing educational

outreach to more than 950 attendees. The conference provides industry professionals practical information to improve workplace safety and enhance the quality of the Texas workers’ compensation system.

• Coordinated more than 565 presentations by DWC staff to external consumer groups.

Records Management and SupportRecords Management and Support maintains records associated with injured employee claim files and insurance coverage information. The group also facilitates the exchange of electronic records from external customers to DWC.

FY 2018 highlights:• Completed work with an external vendor to scan 13,000 boxes of paper claim file records

maintained at the DWC Records Center. The project increases record search efficiency, provides more secure storage, and saves hundreds of thousands of dollars in future annual rental costs.

• Implemented process improvements related to providing claim file information to authorized requesters. These improvements were a part of the implementation of a new open records request system, which allows external customers to request information online.

Section IV:Data Tables



Form filings

Life and health filings received

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018Annuity 696 680 633 519 576Credit 19 22 27 41 11Health 3,787 3,968 3,558 3,278 3,245Life 1,314 828 807 796 637Life settlement 93 116 64 49 36Long-term care 257 219 240 270 180Medicare 1,046 1,085 1,103 1,087 920Multi-line 5 - - - -Total filing submissions* 7,217 6,918 6,432 6,040 5,605Forms received 17,674 16,985 15,159 13,526 14,528Rates received 4,730 4,855 3,591 1,688 1,954

Life and health filings completed, final disposition

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018Annuity 714 682 639 521 594Credit 16 22 31 39 13Health 3,771 4,024 3,499 3,196 3,179Life 1,362 824 805 790 645Life settlement 91 115 71 47 38Long-term care 275 200 238 284 174Medicare 1,062 1,112 1,092 1,115 929Multi-line 5 - - - -Total filing submissions* 7,296 6,979 6,375 5,992 5,572Forms received 18,331 17,245 15,433 13,243 13,766Rates received 3,420 3,658 4,088 3,905 3,416

Note: a single submission may contain multiple related forms and rates; life and health filings can also contain both related forms and rates in a single submission.* Totals reflect the number of company submissions, regardless of the number of forms or rates included in the submission.



Property and casualty form filings received

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018Personal liability/umbrella 62 57 66 51 40Bond and miscellaneous lines 245 394 403 398 237Certificate of insurance (added in 2017) - - - 10 6Commercial automobile 659 488 482 483 254Commercial property 334 487 463 448 302General liability 1,221 1,723 1,180 1,349 788Homeowners 250 415 365 395 276Inland marine 749 416 284 180 161Interline filing 100 224 135 144 85Identity theft - 3 10 11 1Commercial multi-peril 887 1,316 1,108 1,087 750Other personal and commercial lines 3 5 3 11 3Personal automobile 446 403 450 426 189Professional liability 387 615 534 512 369Workers’ compensation 162 111 93 98 104Cyber risk (added in 2017) - - - 20 28Total form filing submissions 5,505 6,657 5,576 5,623 3,593Actual policy forms received‡ 24,393 31,416 24,519 26,131 28,688

Property and casualty rate filings received

Type FY 2014 FY 2015‡ FY 2016‡ FY 2017 FY 2018Personal liability/umbrella 24 25 33 30 31Bond and miscellaneous lines 143 161 186 185 208Commercial automobile 263 272 298 361 365Commercial property 140 289 207 147 232General liability 250 517 344 451 467Homeowners 163 233 202 212 289Inland marine 70 92 120 93 112Interline filing 5 22 13 26 28Identity theft - 2 6 3 -Commercial multi-peril 276 494 491 396 540Other personal and commercial lines 1 1 3 7 3Personal automobile 420 434 531 497 509Professional liability 76 146 158 134 146Workers’ compensation 331 184 152 194 192Cyber risk (added in 2017) - - - 12 16Total 2,162 2,872 2,744 2,748 3,138

‡ A single form filing submission may contain multiple policy forms and endorsements.



Property and casualty form filings completed

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018*Personal liability/umbrella 58 57 61 55 43Bond and miscellaneous lines 237 327 470 363 304Certificate of insurance (added in 2017) - - - 12 8Commercial automobile 778 498 487 487 286Commercial property 442 450 495 437 316General liability 1,395 1,711 1,222 1,348 824Homeowners 287 409 311 414 319Inland marine 293 415 295 173 169Interline filing 98 201 144 134 103Identity theft 1 1 11 13 1Commercial multi-peril 1,055 1,279 1,145 1,082 798Other personal and commercial lines 8 4 4 9 3Personal automobile 521 373 461 431 256Professional liability 399 546 584 512 375Workers’ compensation 166 115 96 103 98Cyber risk (added in 2017) - - - 15 27Total form filing submissions 5,738 6,386 5,786 5,588 3,930Actual policy forms received‡ 21,203 31,184 26,022 28,744 28,042

Property and casualty rate filings completed

Type FY 2014 FY 2015 FY 2016 FY 2017 FY 2018*Personal liability/umbrella 21 24 31 35 27Bond and miscellaneous lines 138 133 216 201 230Commercial automobile 319 368 273 348 360Commercial property 194 275 227 130 228General liability 310 499 401 448 470Homeowners 149 242 174 233 275Inland marine 87 110 118 81 128Interline filing 5 12 11 27 28Identity theft - 14 5 4 -Commercial multi-peril 328 531 505 389 529Other personal and commercial lines 1 1 4 8 2Personal automobile 326 465 535 488 530Professional liability 75 119 163 176 153Workers’ compensation 324 213 153 200 193Cyber risk (added in 2017) - - - 7 21Total 2,277 3,006 2,816 2,775 3,174

* In December 2017, TDI required insurers to include rule filings in rate filings instead of through separate submissions.‡ A single form filing submission may contain multiple policy forms and endorsements.



Rehabilitation and liquidation oversight

Receiverships

Status FY 2014 FY 2015 FY 2016 FY 2017 FY 2018Beginning balance 30 28 26 27 27New receiverships 1 - 2 - 2Receiverships closed 3 2 1 - -

Companies in receivership for rehabilitation or liquidation at end of FY 2018:• AmCare Health Plans of Texas and AmCare Management, Inc.• Good Samaritan Life Insurance Company• Highlands Insurance Company• Universal Insurance Exchange• Vesta Fire Insurance Corporation• Shelby Casualty Insurance Company• Shelby Insurance Company• Texas Select Lloyds Insurance Company• Select Insurance Services, Inc.• Vesta Insurance Corporation• Family Life Insurance Company of America• Lone Star Life Insurance Company• Peters Burial Association• American Founders Financial Corporation• Lincoln Memorial Life Insurance Company• Memorial Service Life Insurance Company• National Prearranged Services, Inc.• Austin Indemnity Lloyds Insurance Company and Austin Indemnity Management Company, • Mi Tierra Title• National Charity Title, Inc.• W.I.N. Association• Gramercy Insurance Company• Santa Fe Auto Insurance Company• Universal HMO of Texas, Inc.• San Antonio Indemnity Company• Alicot Insurance Company• Millennium Closing Services LLC, dba Millennium Title• Access Insurance Company• Grand Court Order of Calanthe



Texas insurance market

Carriers subject to TDI requirements (2017)

Type Texas PremiumsLife $ 12,144,660,095Annuity 22,366,999,332Accident and health 39,969,195,147Property and casualty* 56,093,877,020HMO 33,778,336,519Title 2,055,975,632Other‡ 4,721,760Total $ 166,413,765,505Total admitted market 160,577,409,340Total alternative market 5,836,356,165

* Includes the alternative market total.‡ Includes local mutual aid and burial associations, exempt associations, and nonprofit legal service companies.

Admitted market (carriers holding a TDI-issued license in 2017)

Type Texas companies Non-Texas companies Total admitted marketLife 1,042,526,964 11,102,133,131 12,144,660,095Annuity 3,313,410,089 19,053,589,243 22,366,999,332Accident and health 4,633,212,484 35,335,982,663 39,969,195,147Property and casualty* 24,893,201,127 25,364,319,728 50,257,520,855HMO 29,987,671,791 3,790,664,728 33,778,336,519Title 803,774,437 1,252,201,195 2,055,975,632Other‡ 4,721,760 4,721,760Total 64,678,518,652 95,898,890,688 160,577,409,340

* Excludes the alternative market total.‡ Includes local mutual aid and burial associations, exempt associations, and nonprofit legal service companies.

Alternative market (carriers eligible or holding other form of TDI approval in 2017)

Type Texas PremiumsSurplus lines insurers $ 5,456,596,671Foreign risk retention groups 117,497,203.00Certified self-insurers 249,070,448.00Workers’ compensation self-insurance groups 13,191,843.00Total* $ 5,836,356,165

* The majority of this business is property and casualty insurance. However, the surplus lines market includes some accident and health business.



Texas market premiums

Texas property and casualty premiums

Type 2016 2017Primary linesAutomobile (personal and commercial) $ 22,120,379,658 $ 24,473,557,554Workers’ compensation 2,364,648,566 2,343,929,734Homeowners 8,330,556,423 8,747,056,947Fire and allied lines 6,586,650,774 6,835,258,288Liability 5,487,981,838 5,738,788,443Medical professional liability 185,204,913 186,823,348All other lines* 1,896,699,844 1,932,106,541Total $ 46,972,122,016 $ 50,257,520,855

* Does not include $812,101,830 in accident and health premiums for 2017 and $736,220,644 for 2016 written by property and casualty companies that are included in total accident and health premiums reflected below.

Texas life, annuity, and accident and health premiums

Type 2016 2017LifeOrdinary $ 8,702,906,600 $ 9,185,821,711Group 2,664,443,710 2,873,848,424Industrial 797,713 700,083Credit 92,157,275 84,289,877Subtotal $ 11,460,305,298 $ 12,144,660,095

AnnuityAnnuities $ 16,124,117,350 $ 15,423,337,048Other considerations 3,207,954,057 3,333,829,412Deposit type contracts 3,660,756,755 3,609,832,872Subtotal $ 22,992,828,162 $ 22,366,999,332Accident and health* $ 38,518,211,185 $ 39,969,195,147Total $ 72,971,344,645 $ 74,480,854,574

* Includes $812,101,830 in accident and health premiums for 2017 and $736,220,644 for 2016 written by property and casualty companies.



Texas group marketBased on written premium and market share percentage.* Companies with positive premiums

Health insurance (excludes credit and other accident)

Overview Totals Top group writers Premium MS %Companies* 468 UnitedHealth $ 14,614,229,813 19.85Groups 194 Health Care Service Corporation 12,759,816,533 17.33Insured Texans 23,019,956 Centene Corporation 6,529,067,988 8.87Uninsured Texans 4,816,968 Humana 6,084,977,858 8.26Texas population estimate 27,836,924 Anthem Inc 4,812,609,465 6.54Written premium $73,640,197,125 Cigna Health 3,889,099,491 5.28

Aetna 3,799,349,243 5.16Molina Healthcare Inc 2,862,732,401 3.89Harris Health 1,513,423,155 2.06Wellcare 1,357,294,587 1.84

Annuities

Overview Totals Top group writers Premium MS %Companies* 295 American International $ 2,383,466,572 10.66Groups 126 Aegon US 1,221,065,485 5.46Written premiums $22,366,999,332 Prudential of America 1,173,307,537 5.25

Jackson National 1,058,276,010 4.73New York Life 1,030,641,787 4.61Allianz Insurance 976,919,527 4.37John Hancock 944,368,930 4.22Voya Financial 926,970,827 4.14Nationwide 834,874,358 3.73Principal Financial 826,766,006 3.70



Life insurance

Overview Totals Top group writers Premium MS %Companies* 441 Metropolitan $ 834,490,639 6.87Groups 163 New York Life 741,516,556 6.11Written premiums 12,144,660,095 Northwestern Mutual 631,216,174 5.20

Lincoln National 569,322,386 4.69Prudential Of America 505,842,958 4.17Minnesota Mutual 432,231,103 3.56Mass Mutual Life Insurance 413,527,716 3.41State Farm 402,375,633 3.31Pacific Life 346,479,831 2.85Aegon US Holding 337,423,464 2.78

Personal auto insurance

Overview Totals Top group writers Premium MS %Companies* 188 State Farm $ 3,563,120,430 16.83Groups 65 Berkshire Hathaway 2,637,489,162 12.46Policies (liability) 18,693,457 Allstate Ins 2,362,583,959 11.16Written premiums $21,170,412,785 Progressive 2,041,345,038 9.64

Farmers Ins 1,842,735,338 8.70USAA 1,712,949,429 8.09Liberty Mutual 1,195,734,569 5.65Texas Farm Bureau Mutual 693,004,120 3.27Nationwide Corporation 473,342,445 2.24Orpheus 378,781,108 1.79

Homeowners insurance

Overview Totals Top group writers Premium MS %Companies* 148 State Farm $ 1,837,352,539 21.01Groups 61 Allstate Ins 1,124,648,161 12.86Policies in force Farmers Ins 952,430,570 10.89Homeowners 4,675,125 USAA 850,439,148 9.72Dwelling 784,347 Liberty Mutual 709,880,064 8.12Tenants 1,460,336 Travelers 341,719,490 3.91Written premiums $8,747,056,947 Nationwide Corporation 246,557,442 2.82

Texas Farm Bureau Mutual 231,440,318 2.65Progressive 210,837,411 2.41Chubb Limited 181,197,643 2.07



Company market share*Based on written premium and market share percentage

Top 40 companies | Accident and healthRank NAIC Company Premium MS %1 70670 BCBSTX, A Division of Health Care Service Corporation $ 9,824,399,880 24.582 79413 Unitedhealthcare Insurance Company 6,086,632,032 15.233 73288 Humana Insurance Company 4,138,434,438 10.354 60054 Aetna Life Insurance Company 2,857,840,384 7.155 71013 Superior Healthplan Network 1,872,941,683 4.696 67369 Cigna Health and Life Insurance Company 1,406,843,636 3.527 12558 Care Improvement Plus of Texas Insurance Company 1,377,200,543 3.458 14078 Amerigroup Insurance Company 965,450,480 2.429 12307 Dentaquest USA Insurance Company, Inc. 786,063,802 1.9710 80799 Celtic Insurance Company 696,291,065 1.7411 65978 Metropolitan Life Insurance Company 616,689,142 1.5412 14063 MCNA Insurance Company 582,364,658 1.4613 60380 American Family Life Assurance Company of Columbus 352,650,919 0.8814 71420 Sierra Health and Life Insurance Company, Inc. 350,417,161 0.8815 62235 Unum Life Insurance Company of America 298,297,200 0.7516 64246 The Guardian Life Insurance Company of America 270,043,521 0.6817 78611 HCSC Insurance Services Company 232,727,399 0.5818 65498 Life Insurance Company of North America 198,088,673 0.5019 39616 Vision Service Plan Insurance Company 179,260,590 0.4520 69868 United of Omaha Life Insurance Company 172,680,141 0.4321 12575 Silverscript Insurance Company 164,687,795 0.4122 82406 All Savers Insurance Company 152,992,028 0.3823 70025 Genworth Life Insurance Company 148,558,970 0.3724 80802 Sun Life Assurance Company of Canada 147,181,408 0.3725 62286 Golden Rule Insurance Company 146,641,230 0.3726 61271 Principal Life Insurance Company 136,693,525 0.3427 69019 Standard Insurance Company 133,907,811 0.3428 61301 Ameritas Life Insurance Corp. 131,567,201 0.3329 65676 Lincoln National Life Insurance Company, The 130,496,271 0.3330 81396 Delta Dental Insurance Company 127,887,917 0.3231 70815 Hartford Life and Accident Insurance Company 127,647,872 0.3232 67105 Reliastar Life Insurance Company 124,510,998 0.3133 11670 Insurance Company of Scott and White 124,407,690 0.3134 68500 Continental Life Insurance Company of Brentwood, TN 124,371,309 0.3135 68241 Prudential Insurance Company of America, The 113,062,519 0.2836 60534 American Heritage Life Insurance Company 102,493,314 0.2637 71870 Fidelity Security Life Insurance Company 99,580,247 0.2538 86231 Transamerica Life Insurance Company 98,799,666 0.2539 15777 Oscar Insurance Company 97,287,242 0.2440 62049 Colonial Life and Accident Insurance Company 97,173,587 0.24Total Top 40 Accident and Health Companies $ 35,795,265,947 89.56All Other Accident and Health Companies 4,173,929,200 10.44Total Accident and Health Companies $ 39,969,195,147 100



Top 40 companies | Annuities

Rank NAIC Company Premium MS %1 60488 American General Life Insurance Company $ 1,980,633,637 8.862 65056 Jackson National Life Insurance Company 1,058,276,010 4.733 90611 Allianz Life Insurance Company of North America 976,919,527 4.374 65838 John Hancock Life Insurance Company (U.S.A.) 944,368,930 4.225 86509 Voya Retirement Insurance and Annuity Company 913,770,528 4.096 91596 New York Life Insurance and Annuity Corporation 855,650,636 3.837 61271 Principal Life Insurance Company 826,766,006 3.708 62944 AXA Equitable Life Insurance Company 817,587,613 3.669 65676 Lincoln National Life Insurance Company, The 771,555,021 3.4510 70688 Transamerica Financial Life Insurance Company 758,473,633 3.3911 65935 Massachusetts Mutual Life Insurance Company 682,364,403 3.0512 68241 Prudential Insurance Company of America, The 512,687,856 2.2913 66869 Nationwide Life Insurance Company 455,654,564 2.0414 66044 Midland National Life Insurance Company 422,309,328 1.8915 93629 Prudential Retirement Insurance and Annuity Company 411,210,460 1.8416 69345 Teachers Insurance and Annuity Association of America 403,855,024 1.8117 70238 Variable Annuity Life Insurance Company, The 401,987,331 1.8018 61689 Athene Annuity and Life Company 399,195,901 1.7819 86231 Transamerica Life Insurance Company 398,236,959 1.7820 65978 Metropolitan Life Insurance Company 360,230,517 1.6121 91642 Forethought Life Insurance Company 340,483,095 1.5222 60895 American United Life Insurance Company 335,719,824 1.5023 67466 Pacific Life Insurance Company 323,944,004 1.4524 92657 Nationwide Life and Annuity Insurance Company 290,055,533 1.3025 College Retirement Equity Funds 275,530,052 1.2326 65528 Life Insurance Company of the Southwest 268,023,079 1.2027 88072 Talcott Resolution Life Insurance Company 261,803,589 1.1728 68322 Great-West Life & Annuity Insurance Company 260,627,533 1.1729 92738 American Equity Investment Life Insurance Company 260,211,546 1.1630 68675 Security Benefit Life Insurance Company 257,704,932 1.1531 79227 Pruco Life Insurance Company 244,735,595 1.0932 65005 Riversource Life Insurance Company 227,822,434 1.0233 68608 Symetra Life Insurance Company 217,874,532 0.9734 63312 Great American Life Insurance Company 197,628,754 0.8835 87726 Brighthouse Life Insurance Company 187,587,226 0.8436 69019 Standard Insurance Company 184,514,855 0.8237 66168 Minnesota Life Insurance Company 179,224,675 0.8038 66915 New York Life Insurance Company 174,991,151 0.7839 63274 Fidelity & Guaranty Life Insurance Company 170,367,508 0.7640 66974 North American Company for Life and Health Insurance 164,620,292 0.74Total Top 40 Annuities Premium $ 19,175,204,093 85.73All Other Annuities Premium 3,191,795,239 14.27Total Annuities Premium $ 22,366,999,332 100



Top 40 companies | HMOs

Rank NAIC Company Premium MS %1 95647 Superior Healthplan, Inc. $ 3,957,007,281 11.712 95314 Amerigroup Texas, Inc. 3,837,916,955 11.363 95174 Unitedhealthcare Benefits of Texas, Inc. 3,122,577,376 9.244 10757 Molina Healthcare of Texas, Inc. 2,822,795,134 8.365 70670 BCBSTX, A Division of Health Care Service Corp. 2,607,093,245 7.726 11141 Unitedhealthcare Community Plan of Texas, L.L.C. 2,359,067,843 6.987 12902 Healthspring Life & Health Insurance Company, Inc. 2,029,468,463 6.018 95329 Texas Children's Health Plan, Inc. 1,564,343,396 4.639 95885 Humana Health Plan, Inc. 1,062,474,604 3.1510 10096 Selectcare of Texas, Inc. 842,814,696 2.5011 95615 Community Health Choice, Inc. 824,290,008 2.4412 95024 Humana Health Plan of Texas, Inc. 775,406,730 2.3013 11494 Physicians Health Choice of Texas, LLC 767,855,128 2.2714 95099 Scott and White Health Plan 701,120,890 2.0815 16133 Community Health Choice Texas, Inc. 689,133,147 2.0416 95809 Driscoll Children’s Health Plan 661,370,024 1.9617 95138 Sha, L.L.C. 569,086,557 1.6818 95414 Parkland Community Health Plan, Inc. 541,121,611 1.6019 95248 Community First Health Plans, Inc. 518,346,060 1.5320 95822 Cook Children’s Health Plan 511,145,241 1.5121 95490 Aetna Health Inc. 423,943,990 1.2622 12964 Wellcare of Texas, Inc. 410,313,598 1.2123 12827 KS Plan Administrators, LLC 346,066,410 1.0224 95040 Aetna Better Health of Texas Inc. 286,986,865 0.8525 15485 Children’s Medical Center Health Plan 245,065,321 0.7326 52635 El Paso First Health Plans, Inc. 191,422,027 0.5727 14151 Sendero Health Plans, Inc. 146,239,414 0.4328 14154 Christus Health Plan 126,140,956 0.3729 95765 Unitedhealthcare of Texas, Inc. 117,698,073 0.3530 13151 Care N' Care Insurance Company, Inc. 101,753,106 0.3031 15489 Memorial Hermann Health Plan, Inc. 99,193,076 0.2932 95383 Cigna Healthcare of Texas, Inc. 80,600,665 0.2433 15143 Advantageoptimum, Inc. 76,528,109 0.2334 95240 Seton Health Plan, Inc. 58,106,344 0.1735 29718 GHS Insurance Company 44,568,770 0.1336 15452 Prominence Healthfirst of Texas, Inc. 40,956,980 0.1237 95037 Cigna Dental Health of Texas, Inc. 34,175,908 0.1038 95161 Denticare, Inc. 27,236,504 0.0839 95910 Aetna Dental Inc. 26,164,148 0.0840 12346 Allegian Insurance Company 24,687,050 0.07Total Top 40 Health Maintenance Organizations $ 33,672,281,703 99.69All Other Health Maintenance Organizations 106,054,816 0.31Total Health Maintenance Organizations $ 33,778,336,519 100



Top 40 companies | Homeowners

Rank NAIC Company Premium MS %1 43419 State Farm Lloyds $ 1,837,352,539 21.012 21695 Texas Farmers Insurance Company 780,762,470 8.933 37907 Allstate Vehicle and Property Insurance Company 545,029,087 6.234 26530 Allstate Texas Lloyd’s 349,253,418 3.995 25941 United Services Automobile Association 349,066,755 3.996 11215 Safeco Insurance Company of Indiana 323,992,602 3.707 42404 Liberty Insurance Corporation 321,320,346 3.678 25968 USAA Casualty Insurance Company 273,999,746 3.139 27998 Travelers Home and Marine Insurance Company, The 225,802,714 2.5810 11059 ASI Lloyds 209,541,182 2.4011 25380 Texas Farm Bureau Mutual Insurance Company 173,853,157 1.9912 19976 Amica Mutual Insurance Company 165,763,406 1.9013 27774 Chubb Lloyds Insurance Company of Texas 151,133,636 1.7314 29688 Allstate Fire and Casualty Insurance Company 136,719,382 1.5615 23760 Nationwide General Insurance Company 127,125,449 1.4516 11008 Auto Club Indemnity Company 126,279,999 1.4417 18600 USAA General Indemnity Company 121,889,037 1.3918 12536 Homeowners of America Insurance Company 112,806,641 1.2919 21253 Garrison Property and Casualty Insurance Company 105,483,610 1.2120 10969 United Property & Casualty Insurance Company 105,091,750 1.2021 41564 Travelers Lloyds of Texas Insurance Company 99,995,054 1.1422 13938 Metropolitan Lloyds Insurance Company of Texas 98,300,887 1.1223 41688 Foremost Lloyds of Texas 95,793,982 1.1024 11543 Texas Fair Plan Association 74,221,966 0.8525 12573 Centauri Specialty Insurance Company 58,744,369 0.6726 19240 Allstate Indemnity Company 57,745,067 0.6627 25399 Texas Farm Bureau Underwriters 57,587,161 0.6628 23469 American Modern Home Insurance Company 55,597,366 0.6429 11578 Cypress Texas Insurance Company 53,456,843 0.6130 15474 National Lloyds Insurance Company 51,204,801 0.5931 37877 Nationwide Property and Casualty Insurance Company 49,078,726 0.5632 37257 Praetorian Insurance Company 47,983,603 0.5533 21652 Farmers Insurance Exchange 44,273,827 0.5134 19402 AIG Property Casualty Company 43,475,290 0.5035 10111 American Bankers Insurance Company of Florida 43,388,547 0.5036 12873 Privilege Underwriters Reciprocal Exchange 43,237,989 0.4937 29068 IDS Property Casualty Insurance Company 41,442,042 0.4738 40703 Unitrin Safeguard Insurance Company 41,341,952 0.4739 23248 Occidental Fire & Casualty Company of North Carolina 40,770,020 0.4740 20230 Central Mutual Insurance Company 39,749,765 0.45Total Top 40 Homeowners Premium $ 7,679,656,183 87.80All Other Homeowners Premium 1,067,400,764 12.20Total Homeowners Premium $ 8,747,056,947 100



Top 40 companies | Life

Rank NAIC Company Premium MS %1 65978 Metropolitan Life Insurance Company $ 634,587,217 5.232 67091 Northwestern Mutual Life Insurance Company, The 631,216,174 5.203 66915 New York Life Insurance Company 555,049,910 4.574 65676 Lincoln National Life Insurance Company, The 485,574,004 4.005 69108 State Farm Life Insurance Company 402,375,633 3.316 65935 Massachusetts Mutual Life Insurance Company 398,027,345 3.287 66168 Minnesota Life Insurance Company 357,074,837 2.948 67466 Pacific Life Insurance Company 346,367,652 2.859 60488 American General Life Insurance Company 293,982,918 2.4210 68241 Prudential Insurance Company of America, The 272,005,303 2.2411 65838 John Hancock Life Insurance Company (U.S.A.) 235,611,224 1.9412 79227 Pruco Life Insurance Company 233,720,339 1.9213 66869 Nationwide Life Insurance Company 217,334,459 1.7914 86231 Transamerica Life Insurance Company 207,409,124 1.7115 62235 Unum Life Insurance Company of America 192,808,466 1.5916 64246 Guardian Life Insurance Company of America, The 189,082,561 1.5617 63177 Farmers New World Life Insurance Company 185,672,550 1.5318 65919 Primerica Life Insurance Company 184,728,442 1.5219 91596 New York Life Insurance and Annuity Corporation 183,194,619 1.5120 60739 American National Insurance Company 172,847,617 1.4221 69868 United of Omaha Life Insurance Company 167,914,062 1.3822 68896 Southern Farm Bureau Life Insurance Company 160,444,593 1.3223 87726 Brighthouse Life Insurance Company 149,637,342 1.2324 69663 USAA Life Insurance Company 136,688,819 1.1325 66281 Transamerica Premier Life Insurance Company 128,705,521 1.0626 68136 Protective Life Insurance Company 124,178,520 1.0227 71129 Dearborn National Life Insurance Company 123,598,680 1.0228 65498 Life Insurance Company of North America 117,198,076 0.9729 65595 Lincoln Benefit Life Company 116,222,532 0.9630 62944 AXA Equitable Life Insurance Company 114,888,505 0.9531 67105 Reliastar Life Insurance Company 105,748,220 0.8732 68322 Great-West Life & Annuity Insurance Company 102,045,888 0.8433 67989 American Memorial Life Insurance Company 100,626,668 0.8334 92657 Nationwide Life and Annuity Insurance Company 98,103,807 0.8135 66044 Midland National Life Insurance Company 97,777,948 0.8136 65005 Riversource Life Insurance Company 90,867,547 0.7537 80802 Sun Life Assurance Company of Canada 85,868,331 0.7138 70815 Hartford Life and Accident Insurance Company 82,654,083 0.6839 62308 Connecticut General Life Insurance Company 81,789,062 0.6740 69396 Texas Life Insurance Company 79,905,911 0.66Total Top 40 Life Premium $ 8,643,534,509 71.17All Other Life Premium 3,501,125,586 28.83Total Life Premium $ 12,144,660,095 100



Top 40 companies | Passenger auto

Rank NAIC Company Premium MS %1 25178 State Farm Mutual Automobile Insurance Company $ 3,336,765,810 15.762 29203 Progressive County Mutual Insurance Company 2,041,345,047 9.643 29181 Geico County Mutual Insurance Company 1,707,917,550 8.074 24392 Farmers Texas County Mutual Insurance Company 1,578,483,975 7.465 29688 Allstate Fire and Casualty Insurance Company 1,573,090,115 7.436 19544 Liberty County Mutual Insurance Company 1,155,167,031 5.467 25941 United Services Automobile Association 564,494,142 2.678 29246 Consumers County Mutual Insurance Company 541,824,995 2.569 25968 USAA Casualty Insurance Company 508,634,418 2.4010 22063 Government Employees Insurance Company 456,375,266 2.1611 29262 Colonial County Mutual Insurance Company 423,758,009 2.0012 29378 Old American County Mutual Fire Insurance Company 378,781,108 1.7913 25380 Texas Farm Bureau Mutual Insurance Company 363,835,014 1.7214 18600 USAA General Indemnity Company 355,868,970 1.6815 19240 Allstate Indemnity Company 326,818,745 1.5416 29297 Home State County Mutual Insurance Company 298,059,001 1.4117 29327 Auto Club County Mutual Insurance Company 297,613,278 1.4118 21253 Garrison Property and Casualty Insurance Company 283,951,899 1.3419 29335 Allstate County Mutual Insurance Company 242,992,948 1.1520 27863 Southern County Mutual Insurance Company 232,074,487 1.1021 26816 State Farm County Mutual Insurance Company of Texas 226,354,620 1.0722 29254 Foremost County Mutual Insurance Company 222,163,270 1.0523 10807 ACCC Insurance Company 220,557,600 1.0424 13004 Texas Farm Bureau Casualty Insurance Company 213,011,016 1.0125 11198 Loya Insurance Company 202,295,251 0.9626 10730 American Access Casualty Company 199,733,358 0.9427 14138 Geico Advantage Insurance Company 196,162,275 0.9328 19976 Amica Mutual Insurance Company 167,786,090 0.7929 13820 Infinity County Mutual Insurance Company 166,635,671 0.7930 11521 Germania Select Insurance Company 165,751,034 0.7831 15449 Alinsco Insurance Company 142,007,629 0.6732 13938 Metropolitan Lloyds Insurance Company of Texas 133,150,153 0.6333 22055 Geico Indemnity Company 130,732,514 0.6234 29300 Redpoint County Mutual Insurance Company 97,463,458 0.4635 13688 Elephant Insurance Company 95,821,313 0.4536 14139 Geico Choice Insurance Company 92,817,689 0.4437 40150 MGA Insurance Company, Inc. 90,292,229 0.4338 10891 CEM Insurance Company 86,252,055 0.4139 25712 Esurance Insurance Company 82,087,764 0.3940 17230 Allstate Property and Casualty Insurance Company 75,918,366 0.36Total Top 40 Private Passenger Auto Premium $ 19,674,845,163 92.94All Others Private Passenger Auto Premium 1,495,567,622 7.06Total Private Passenger Auto Premium $ 21,170,412,785 100



Top 23 companies | Title

Rank NAIC Company Premium MS %1 51586 Fidelity National Title Insurance Company $ 323,960,851 15.762 50121 Stewart Title Guaranty Company 298,434,046 14.523 50814 First American Title Insurance Company 271,875,872 13.224 50229 Chicago Title Insurance Company 241,665,520 11.755 50520 Old Republic National Title Insurance Company 150,989,312 7.346 50016 Title Resources Guaranty Company 144,658,712 7.047 51624 First American Title Guaranty Company 136,926,984 6.668 14240 First National Title Insurance Company 92,269,846 4.499 51152 WFG National Title Insurance Company 83,423,405 4.0610 50598 Alamo Title Insurance 74,685,380 3.6311 12309 Alliant National Title Insurance Company, Inc. 59,308,710 2.8812 50083 Commonwealth Land Title Insurance Company 51,542,478 2.5113 50130 North American Title Insurance Company 35,540,659 1.7314 50050 Westcor Land Title Insurance Company 32,902,612 1.6015 50377 National Investors Title Insurance Company 26,545,853 1.2916 11974 Amrock Title Insurance Company 13,333,110 0.6517 50026 Premier Land Title Insurance Company 9,088,166 0.4418 12591 Sierra Title Insurance Guaranty Company 6,079,350 0.3019 15305 Southwest Land Title Insurance Company 1,752,990 0.0920 50440 Real Advantage Title Insurance Company 631,087 0.0321 51632 Entitle Insurance Company 306,480 0.0122 51020 National Title Insurance of New York, Inc. 32,031 -23 51578 Amtrust Title Insurance Company 22,178 -Total Title Premium $ 2,055,975,632 100



Top 40 companies | Workers' compensation

Rank NAIC Company Premium MS %1 22945 Texas Mutual Insurance Company 992,073,392 42.332 16535 Zurich American Insurance Company 69,964,455 2.983 25658 Travelers Indemnity Company, The 47,193,967 2.014 43389 Service Lloyds Insurance Company 46,793,516 2.005 42404 Liberty Insurance Corporation 45,808,469 1.956 19038 Travelers Casualty and Surety Company 30,759,829 1.317 43575 Indemnity Insurance Company of North America 29,817,423 1.278 30104 Hartford Underwriters Insurance Company 29,158,624 1.249 40142 American Zurich Insurance Company 27,861,889 1.1910 23035 Liberty Mutual Fire Insurance Company 27,052,981 1.1511 27120 Trumbull Insurance Company 26,098,217 1.1112 20281 Federal Insurance Company 24,871,787 1.0613 38318 Starr Indemnity & Liability Company 24,054,362 1.0314 23841 New Hampshire Insurance Company 21,767,130 0.9315 25682 Travelers Indemnity Company of Connecticut, The 19,995,263 0.8516 42376 Technology Insurance Company, Inc. 19,577,692 0.8417 24147 Old Republic Insurance Company 18,186,979 0.7818 10166 Accident Fund Insurance Company of America 17,895,021 0.7619 19488 Amerisure Insurance Company 16,066,806 0.6920 23396 Amerisure Mutual Insurance Company 15,230,844 0.6521 33600 LM Insurance Corporation 14,429,548 0.6222 25674 Travelers Property Casualty Company of America 14,214,891 0.6123 20427 American Casualty Company of Reading, Pennsylvania 13,693,768 0.5824 29424 Hartford Casualty Insurance Company 13,256,901 0.5725 19070 Standard Fire Insurance Company, The 13,237,006 0.5626 38970 Markel Insurance Company 12,926,383 0.5527 27855 Zurich American Insurance Company of Illinois 12,638,533 0.5428 19429 Insurance Company of The State of Pennsylvania, The 12,499,140 0.5329 37885 XL Specialty Insurance Company 12,487,064 0.5330 24082 Ohio Security Insurance Company 12,010,726 0.5131 25615 Charter Oak Fire Insurance Company, The 11,877,300 0.5132 25623 Phoenix Insurance Company, The 11,839,458 0.5133 11000 Sentinel Insurance Company, Ltd. 11,617,681 0.5034 20508 Valley Forge Insurance Company 11,317,626 0.4835 30120 Znat Insurance Company 11,120,865 0.4736 19046 Travelers Casualty Insurance Company of America 10,842,061 0.4637 19682 Hartford Fire Insurance Company 10,633,362 0.4538 25666 Travelers Indemnity Company of America, The 9,980,738 0.4339 19410 Commerce and Industry Insurance Company 9,752,896 0.4240 20095 Bitco General Insurance Corporation 9,630,898 0.41Total Top 40 Workers' Compensation Premium 1,790,235,491 76.38All Others Workers' Compensation Premium 553,694,243 23.62Total Workers' Compensation Premium 2,343,929,734 100

Texas Department of Insurance2018 Annual Report

TDIAR | 1118

tdi 2018 annual report - texas department of insurance · texas department of insurance 2018 annual...

Documents