HB 3388 Texas House · 89th Legislature (2025)

Relating to group property and casualty insurance policies.

HB 3388 requires insurers offering group property and casualty insurance policies to clearly disclose whether a policy has a shared aggregate limit during the application process. It mandates that insurers deliver a copy of the policy and certificate of insurance to each policyholder within 30 days of issuance or renewal. The bill defines "permitted groups" as 10 or more members with preexisting relationships (e.g., trade associations or affiliations) and allows incidental casualty/liability coverage under these policies. Surplus lines insurers must file group policies collectively rather than individually for each member, streamlining reporting requirements. These changes apply to all group policies issued under Section 2171.002 of the Texas Insurance Code.

Bill status signed all 5 stages cleared

Introduction

Mar 2025

Committee Review

May 2025

House Passage

May 2025

Senate Passage

May 2025

Signed into Law

Jun 2025

Introduced Mar 21, 2025 Signed Jun 20, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed → Enrolled · 4 edits · May 31, 2025

MODERATE

This bill was finalized from its engrossed version to the enrolled version, which is the final version signed into law. The substantive policy content remains largely unchanged, though the formatting was cleaned up to remove draft markers and housekeeping notes. The bill establishes new chapters for group property and casualty insurance, including definitions, disclosure requirements, and rules for surplus lines and group enrollers.

Scope change

The bill's scope remains focused on group property and casualty insurance policies, adding new sections to the Texas Insurance Code to regulate how insurers handle group policies and surplus lines.

TECHNICAL

Removed draft formatting markers, page numbers, and internal notes that were present in the engrossed version but are not part of the final law.

Added the enrolled version header and certification signatures indicating the bill was passed by both houses and approved by the Governor.

Added effective date provisions stating the law takes effect immediately if passed by a two-thirds vote, or September 1, 2025 otherwise.

Corrected minor formatting inconsistencies in section numbering and spacing to match standard legislative formatting.

Floor votes · House May 10, 2025

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

May 31, 2025

Upper · Passed

Signed in the Senate

upper

May 30, 2025

Lower · Passed

Signed in the House

lower

May 29, 2025

Lower · Passed

Senate passage reported

lower

May 28, 2025

Upper · Passed

Passed

upper

May 25, 2025

Upper · Passed

Committee report printed and distributed

upper

May 25, 2025

Upper · Passed

Reported favorably w/o amendments

upper

May 25, 2025

Upper · Passed

Vote taken in committee

upper

May 22, 2025

Upper · Passed

Left pending in committee

upper

May 22, 2025

Upper · Passed

Testimony taken in committee

upper

May 13, 2025

Committee

Referred to Business & Commerce

upper

May 13, 2025

Introduced

Read first time

upper

May 12, 2025

Introduced

Received from the House

upper

May 12, 2025

Lower · Passed

Passed

lower

May 10, 2025

Lower · Passed

Passed to engrossment

lower

Apr 28, 2025

Lower · Passed

Committee report sent to Calendars

lower

Apr 25, 2025

Lower · Passed

Committee report distributed

lower

Apr 16, 2025

Lower · Passed

Reported favorably as substituted

lower

Apr 2, 2025

Lower · Passed

Left pending in committee

lower

Apr 2, 2025

Lower · Passed

Testimony taken/registration(s) recorded in committee

lower

Mar 21, 2025

Committee

Referred to Insurance

lower

Mar 21, 2025

Introduced

Read first time

lower

3 primary · 0 co-sponsors