The Texas nonsubscriber option insurance has been highly competitive over the past decade.  Currently, at least 11 respected insurance companies actively write approximately $150 million in annual premium.  Ample capacity and the lack of substantial industry-wide losses are keeping markets aggressive, with stable pricing and strong coverage for injury benefit plan and employers liability exposures - although Texas nonsubscriber insurance pricing may somewhat increase from Hurricane Harvey due to:

1. unusual post-storm exposures and fatigue from longer work hours in bringing operations back online, both resulting in more injuries,
2. relaxation of worker and medical provider accountability rules that - while fair and justified - could result in worse medical outcomes,
3. higher demand for labor to help with recovery efforts, which could increase the use of inexperienced workers (also resulting in more injuries), and
4. pricing adjustments pursued by insurers across all lines of property and casualty insurance.