About Texas Nonsubscription

We have long been the recognized leader in providing insurance products and support services for nonsubscribers.

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Our Texas nonsubscription products provide indemnity for an employer's on-the-job injury expenses under their Texas Injury Benefit Plan (ERISA). Employers appreciate their ability to take better care of employees, exercise more control over claims cost and administration, and improve return to work outcomes. Subject to binding arbitration provisions, these policies also provide defense and legal liability expense coverage for workplace injury-related litigation in both state court and in federal court.

Combined Group is a full underwriting entity in Texas, offering distinct Texas nonsubscription products to help agents serve their client's needs. Combined Group's underwriting binding authority includes insurance coverage placement, as well as, in-house safety inspections and loss prevention services. Anchor Risk & Claims Management offers best-in-class TPA claims administration. Each policyholder is assigned a dedicated claims adjuster. Combined Group & Anchor Claims provide agents the best on-the-job injury Texas nonsubscription options available in the marketplace.

With our expertise, best practices program guidance, insurance coverage placement, and claims experience, we will help you develop a Nonsubscription Program specific to your insured's operations and needs.

All on-the-job injury insurance is not the same, especially if you are in the Lone Star State. Texas employers have the unique ability to opt out of the Workers' Compensation system, under the original law written in 1913. However, those employers, known as nonsubscribers, still need insurance coverage in the event of workplace injury. That is where our program offerings - injury benefit plan design, program implementation, claims TPA services, safety program reviews, nurse case management, and insurance coverage - helps your client.

Widely considered the most reliable expert for Nonsubscription Program solutions, Combined Group helps agents understand and gain access to this on-the-job injury insurance program that protects Texas employers who elect to be nonsubscribers.

A third of all Texas employers, including many Fortune 1000 companies, are nonsubscribers, yet only a small fraction of insurance agents offer the nonsubscription alternative to their clients. Combined Group gives agents the tools and knowledge they need to offer this niche product, which are both competitively priced and provide competitive commissions as well.