Many states have attempted in recent years to fix the glaring flaws of their workers’ compensation systems. Texas implemented perhaps the most successful of these reforms; its success relative to the rest of the country can largely be ascribed to the fact that it is the only state with a thriving private sector work-injury benefit option to state-mandated workers’ compensation programs.
Local Government
TWIA’s Expanding Reach Raises Fresh Concerns
TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
September 15, 2026