In October of 1999, WinStar Insurance Group/VFIS of Texas created the Emergency Service Organization (ESO) Workers’ Compensation Safety Group underwritten by Texas Mutual Insurance Company. This safety group offered a group premium discount and dividends for maintaining an acceptable loss ratio.
Unfortunately, in recent years the group has sustained some very large claims involving fatal heart attacks and strokes, severe burns, cancer and Covid. These losses are not expected to slow any time soon especially with the passage of cancer and Covid presumption laws. Due to the deteriorating loss history and significant uptick in claims, the ESO Safety Group will be discontinued after October 1, 2021.
Texas Mutual will continue to insure emergency service organizations as they have for more than 30 years, but all policies will now be outside of the safety group. As the leader of the state’s Workers' Compensation market, Texas Mutual is committed to building a stronger, safer Texas. They were created in 1991 to offer a stable, competitive source of Workers' Compensation. Their mono-line focus has allowed them to excel in the industry. Texas Mutual exists to protect businesses, promote safe environments and help ensure Texas workers get home safely to their families.
If you have any questions or concerns regarding your WC policy, please contact our office.
VFIS of Texas NEWS
Here you will find helpful information regarding firefighters, ems responders, and updates in insurance policies.