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P&C Resources

ICT Reports

Each year ICT represents over 400 member companies educating the public, regulators and legislators on the issues that impact the insurance business in Texas. Here you'll find our annual reports on the state of the P&C market, the Texas workers' compensation market, and ICT's own Annual Report and Education Foundation Impact report.


One of the most important insurance policies that ICT focuses on is homeowners insurance. Homeowners insurance is designed to protect homeowners from financial losses due to damage or destruction of their home and personal property. In this article, we will discuss the basics of homeowners insurance in Texas and how it works.


False insurance claims are insurance claims filed with the intent to defraud an insurance provider. It can be a small, seemingly harmless exaggeration, or it can be a deliberate attempt to falsely claim damages. Fraudulent claims account for a significant portion of all claims received by insurers, and cost billions of dollars annually.


One of the key products our member companies provide is auto insurance. Auto insurance provides financial protection against a wide array of perils: traffic collisions, weather-related damages, theft, vandalism and more.

Commercial & Business

Business Insurance, or Commercial Insurance, covers a wide variety of products. Businesses that operate in Texas most likely carry some form of Liability, Workers’ Compensation, Auto insurance, as well as Property insurance for their location and business property.

Workers' Compensation

The Insurance Council of Texas (ICT) provides its member companies with strong and effective advice and representation in workers' compensation regulatory matters, and a variety of services and products that include information and resources members need to be successful in the Texas workers' compensation system. Members benefit from our regulatory efforts and trust that ICT will keep them informed and will listen to their input and concerns.

Economics and Insurance

The P&C industry in Texas is one of the largest in the country and is a major contributor to the state's economy. The P&C industry in Texas generated over $100 billion in direct written premiums in 2020. The industry also employs over 200,000 people and pays out billions of dollars in claims annually. The P&C industry is a vital part of the financial services sector in Texas, which is the state's second-largest industry, after energy. 

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