Texas Department of Insurance

What Texas Department of Insurance does

The Texas Department of Insurance (TDI) is the Texas state regulatory agency responsible for overseeing the insurance industry in Texas. Established by the Texas Legislature, TDI licenses and regulates insurance companies, agents, adjusters, third-party administrators, and premium finance companies operating in the state; reviews policy rates and forms; investigates fraud and consumer complaints; and enforces the Texas Insurance Code. The agency is headquartered at 1601 Congress Avenue in Austin, Texas, and is led by the Insurance Commissioner under executive authority of the Governor. TDI serves five primary stakeholder segments: insurance companies, licensed agents and adjusters, Texas businesses and employers, consumers, and health care providers participating in the workers' compensation system.

TDI's operational portfolio spans a broad set of regulatory services and consumer tools rather than a single commercial product. Core systems include SERFF (System for Electronic Rates and Forms Filing) for insurer filings, TXCOMP for workers' compensation claim data and EDI reporting, and TEXFIRS for fire incident reporting. Consumer-facing assets include HelpInsure.com and TexasHealthPlanCompare.com for shopping and comparing home, auto, and health insurance; a Consumer Helpline (800-252-3439); online complaint filing and public complaint data search; life insurance policy locator services; and agent/adjuster licensing verification. The agency also administers the Division of Workers' Compensation (DWC), which handles workers' compensation claims, dispute resolution, and the TXCOMP EDI system, and the State Fire Marshal's Office, which conducts fire investigations, inspections, and licensing. Educational outreach is delivered via the InsurED webinar program, webcast archives, and a multi-channel digital presence spanning X, Facebook, LinkedIn, YouTube, Instagram, RSS, and a GovDelivery newsletter.

As a state government entity, TDI does not sell products or services commercially. The agency is funded through state appropriations backed by regulatory fees, assessments, and taxes collected from the regulated insurance industry. Consumer publications and educational resources are provided free of charge. TDI's go-to-market posture is defined by statutory mandate rather than commercial sales; engagement with regulated entities is mandatory (licensing, SERFF filings, TXCOMP EDI reporting, market conduct compliance), and engagement with consumers is delivered through digital self-service, call centers, field offices, and public outreach. Notable compliance frameworks include HIPAA for protected health information, the Texas Public Information Act, and TAC Title 1 accessibility requirements.

Name

Texas Department of Insurance

Legal name

Texas Department of Insurance

Website

https://tdi.texas.gov

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

The Texas Department of Insurance is a state regulatory agency that licenses and oversees insurance companies, agents, and adjusters in Texas, administers the workers' compensation system, runs the State Fire Marshal's Office, and provides consumer protection and complaint resolution services to Texas residents and businesses.

Ownership category

akta.pro rank

Product category

Insurance Regulation and Consumer Protection

NAICS

Other Insurance Related Activities (52429), Investigation and Personal Background Check Services (561611)

akta.pro primary industry

Healthcare Compliance & Enforcement Authorities (HLAJACAB)

akta.pro secondary industries

Self-Insured Workers’ Compensation Programs (FSAJAEAD), Workers’ Compensation Insurance (FSAJAMAF)

Keywords

• Insurance regulation
• Workers compensation administration
• Consumer protection services
• Insurance licensing
• Fraud investigation

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Distribution channels5 records

Marketing channels11 records

Core offering

The Texas Department of Insurance is the state regulatory agency that licenses and oversees insurance companies, agents, and adjusters operating in Texas; administers the state's workers' compensation system through its Division of Workers' Compensation; and handles fire investigations, inspections, and fire incident reporting through the State Fire Marshal's Office. It provides consumer-facing services including a complaint helpline, insurance-shopping tools (HelpInsure.com, TexasHealthPlanCompare.com), and fraud reporting, and supports the insurance industry with regulatory filings (SERFF), workers' compensation EDI reporting (TXCOMP), and educational webinars.

Product overview

The Texas Department of Insurance (TDI) is a state regulatory agency that oversees the Texas insurance industry. TDI offers a comprehensive suite of consumer-focused services including the HelpInsure.com and TexasHealthPlanCompare.com websites for shopping insurance, a Consumer Helpline (800-252-3439), complaint filing systems, company complaint data searches, and life insurance policy locators. The agency operates the Division of Workers' Compensation (DWC) for workers' comp claims and disputes, the State Fire Marshal's office, and windstorm inspection programs. TDI provides regulatory tools including SERFF filing searches, TXCOMP for workers' compensation EDI reporting, fraud reporting systems (general and DWC-specific), and various data download options. The agency also offers educational resources through InsurED webinars, webcast archives, and safety consultation programs. Rather than a single product, TDI's offering is a portfolio of regulatory services, consumer protection tools, and industry compliance systems.

Differentiator

Problem solved

Functional benefit

Brands

• Division of Workers' Compensation (DWC): A division of TDI that administers and regulates the Texas workers' compensation system, providing claims assistance, dispute resolution, safety education, and compliance services for employees, employers, and carriers.
• State Fire Marshal

Products and services

• HelpInsure.com Consumer-facing website allowing Texans to compare and shop for home and auto insurance rates from multiple insurers.
• TexasHealthPlanCompare.com Website enabling consumers to compare health insurance plans available in Texas.
• TDI Consumer Helpline Phone-based assistance (800-252-3439) providing agent, company, and general insurance information to consumers weekdays 8 a.m. to 5 p.m.
• Insurance Complaint Filing System Online and phone-based system allowing consumers to file complaints against insurance companies and agents.
• Company Complaint Data Public database allowing consumers to search for and view complaints filed against insurance companies.
• Life Insurance Policy Locator Service to help locate unclaimed life insurance policies and benefits.
• Agent and Adjuster Lookup Search tool to verify licensing status of insurance agents, adjusters, and agencies.
• Company Profile Lookup Search tool to view insurance company profiles and find agents for service of process.
• SERFF Filing Search System for Electronic Rates and Forms Filing - allows searching of company insurance filings submitted to TDI.
• Division of Workers' Compensation (DWC) Oversees administration and operation of the Texas workers' compensation system, providing claims assistance, dispute resolution, safety education, and enforcement services.
• TXCOMP Workers' compensation system for reporting claim data, medical data, and proof of insurance coverage via Electronic Data Interchange (EDI).
• Independent Dispute Resolution (IDR) Process for resolving out-of-network health claims through mediation and arbitration under Senate Bill 1264.
• Windstorm Inspections (VIP) Voluntary Inspection Program (VIP) for windstorm coverage in Texas coastal areas, including appointed engineers and product evaluations.
• Texas Windstorm Insurance Association (TWIA) Association providing windstorm and hail coverage in designated catastrophe areas of Texas.
• Texas FAIR Plan Association Property insurance pool for applicants unable to obtain coverage through normal market.
• State Fire Marshal Division handling fire investigations, inspections, licensing, outreach/education, and TEXFIRS fire incident reporting.
• TEXFIRS (Texas Fire Incident Reporting System) Fire incident reporting system using National Fire Incident Reporting System (NFIRS) standards.
• Fraud Reporting System Online and phone-based system for reporting suspected insurance fraud by consumers and insurance companies/SIU units.
• DWC Fraud Unit Workers' compensation fraud investigation unit with dedicated hotline (844-FRAUD99) and reporting capabilities.
• InsurED Webinars Educational webinar series covering insurance topics, filing procedures, and regulatory updates for industry participants.
• Data Downloads Public datasets available for download regarding insurance companies, agents, and market data.

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• National Association of Insurance Commissioners (NAIC)coreTechnology or IntegrationTDI participates in NAIC information sharing and uses NAIC systems for insurance regulation. TDI was notified of unauthorized access to the NAIC PeopleSoft system by an unauthorized third party, indicating ongoing data sharing and system integration.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• California Department of Insurance: The California Department of Insurance is the state regulatory agency responsible for regulating the insurance industry in California, the largest U.S. insurance market. Like TDI, it licenses agents and carriers, handles consumer complaints, administers workers' compensation oversight, and enforces insurance code, making it the closest functional peer for a large state insurance department.
• New York State Department of Financial Services: NYDFS regulates insurance companies, banks, and other financial services providers in New York. It is comparable to TDI because it combines insurance carrier regulation with consumer protection, licensing, and market conduct oversight, while also running specialized programs (e.g., workers' compensation, disaster preparedness) similar to TDI's portfolio.

Direct peers

• Florida Office of Insurance Regulation: Florida's Office of Insurance Regulation (OIR) is a state insurance regulator with a portfolio nearly identical to TDI's, including property, auto, workers' compensation, and health insurance oversight, plus catastrophe-driven programs (Florida's Citizens Property Insurance Corp parallels TWIA). Both regulators also manage windstorm inspection regimes in coastal counties.
• Illinois Department of Insurance: The Illinois Department of Insurance regulates all lines of insurance sold in Illinois, handles agent licensing, runs consumer assistance programs, and oversees the Illinois workers' compensation system through a separate commission. Its scope and structure closely parallel TDI's three-division model (insurance, workers' comp, fire marshal where applicable).
• Pennsylvania Insurance Department: The Pennsylvania Insurance Department licenses insurance companies and agents, reviews rate filings, investigates fraud, and provides consumer education, mirroring TDI's core insurance regulatory functions. It also operates the Pennsylvania Workers' Compensation Bureau, parallel to TDI's Division of Workers' Compensation.
• Ohio Department of Insurance: The Ohio Department of Insurance performs carrier and agent licensing, rate and form review, market conduct examinations, consumer complaint handling, and fraud investigation — the same core regulatory functions as TDI. Both agencies also administer workers' compensation oversight and consumer comparison tools for auto and home insurance.

Others

• National Association of Insurance Commissioners (NAIC): NAIC is the U.S. standard-setting and regulatory support organization for state insurance regulators, of which TDI is a member. TDI participates in NAIC information sharing and uses NAIC systems (PeopleSoft, SERFF) for licensing and financial regulation, making NAIC both a peer in mission and a critical infrastructure partner.
• Texas Workers' Compensation Commission (historical): Although now integrated as TDI's Division of Workers' Compensation (DWC), the historical Texas Workers' Compensation Commission performed the same workers' compensation regulatory functions now embedded in TDI. This is included as an adjacent peer to highlight the DWC's distinct regulatory identity within TDI's broader portfolio.
• Texas Office of Public Insurance Counsel (OPIC): OPIC represents Texas consumers in insurance matters and is a state-level peer operating alongside TDI. While TDI regulates carriers and agents, OPIC advocates on rate adequacy and policyholder interests, making it an adjacent regulatory peer that shares TDI's consumer protection mandate but with a different functional role.

Regional players

• Louisiana Department of Insurance: The Louisiana Department of Insurance regulates insurance in Louisiana and administers the state's property and casualty insurance market, including the Louisiana Citizens Property Insurance Corporation (analogous to TWIA) for coastal windstorm risks. Comparability with TDI is high because both states face similar Gulf Coast catastrophe exposure and operate windstorm inspection and residual market mechanisms.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/TexasTDI
• YouTubeyoutube.com/TexasDepartmentofInsurance
• Facebookfacebook.com/TexasDepartmentofInsurance
• LinkedInlinkedin.com/company/texas-department-of-insurance
• Instagraminstagram.com/texasdepartmentofinsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Texas Department of Insurance