Monitoring the Session

HB 1094

Lambert Bill Takes Body Transport Contracts Out Of Insurance Rules

Became law, effective Sep 1, 2025

Verdict: Smells

SmellsReviewed
Rep. Stan LambertRHouse 71
Why it's charged
Carve-out

THE TEXT

“is otherwise exempt from the requirements of this code”

Bill text, introduced version (I)

One product, transportation protection agreements sold by prepaid funeral sellers, gets a full exemption from the Insurance Code. It is also pulled out of the prepaid funeral definitions, so it escapes both rulebooks.

Carve-out

On Nov 1, 2026 the editor checked the caption mismatch charge against the bill's caption and removed it.

Corrected Nov 1, 2026

Corrected Nov 1, 2026 · We checked this summary against the bill text and fixed it.

Reviewed · Nov 1, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to the regulation of transportation protection agreements.

Caption from analyzed text · version I.

Summary

These contracts leave both insurance and prepaid funeral rules.

The bill says that transportation protection agreements, which are contracts to arrange and pay for moving a dead body, are not insurance and are exempt from the Insurance Code when sold by a seller as defined in the prepaid funeral law. It also removes these agreements from the definitions of prepaid funeral benefits and funeral service in the Finance Code's prepaid funeral chapter. Starting September 1, 2025, companies selling these agreements can do so without meeting insurance rules or the prepaid funeral rules for these products, and the bill adds no new rules in their place.

Labels

Labels: CROSS-PARTY HANDOFF. Lead author Stan Lambert (R) in the House. Lead sponsor Judith Zaffirini (D) in the Senate. Party as the Legislative Reference Library lists it for the 89th Legislature.ACROSS THE AISLE. Joint authors: 1 Republican, 1 Democrat. Party as the Legislative Reference Library lists it for the 89th Legislature.

Receipt

The receipt

89R-HB1094 · 2024-11-12

SOLD BY

ITEM

relating to the regulation of transportation protection agreements.

WHAT IT DOES

These contracts leave both insurance and prepaid funeral rules.

The bill says that transportation protection agreements, which are contracts to arrange and pay for moving a dead body, are not insurance and are exempt from the Insurance Code when sold by a seller as defined in the prepaid funeral law. It also removes these agreements from the definitions of prepaid funeral benefits and funeral service in the Finance Code's prepaid funeral chapter. Starting September 1, 2025, companies selling these agreements can do so without meeting insurance rules or the prepaid funeral rules for these products, and the bill adds no new rules in their place.

CHARGES

[x] CARVE-OUTanalysis confidence 60%

THE TEXT

“is otherwise exempt from the requirements of this code”

Bill text, introduced version (I)

One product, transportation protection agreements sold by prepaid funeral sellers, gets a full exemption from the Insurance Code. It is also pulled out of the prepaid funeral definitions, so it escapes both rulebooks.

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version E · source

Sources

Fiscal note · version E · May 22, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Pensions, Investments & Financial Services
  4. Scheduled for public hearing on . . .
  5. Considered in public hearing
  6. Testimony taken/registration(s) recorded in committee
  7. Left pending in committee
  8. Considered in public hearing
  9. Reported favorably w/o amendment(s)
  10. Comte report filed with Committee Coordinator
  11. Committee report distributed
  12. Committee report sent to Calendars
  13. Considered in Calendars
  14. Placed on General State Calendar
  15. Read 2nd time
  16. Amended 1-Lambert
  17. Passed to engrossment as amended
  18. Record vote RV#100
  19. Statement(s) of vote recorded in Journal
  20. Read 3rd time
  21. Passed
  22. Record vote RV#107
  23. Statement(s) of vote recorded in Journal
  24. Reported engrossed
  25. Received from the House
  26. Read first time
  27. Referred to Business & Commerce
  28. Scheduled for public hearing on . . .
  29. Considered in public hearing
  30. Testimony taken in committee
  31. Left pending in committee
  32. Considered in public hearing
  33. Vote taken in committee
  34. Reported favorably w/o amendments
  35. Recommended for local & uncontested calendar
  36. Committee report printed and distributed
  37. Placed on local & uncontested calendar
  38. Removed from local & uncontested calendar
  39. Rules suspended-Intent Calendar
  40. Rules suspended-Regular order of business
  41. Read 2nd time & passed to 3rd reading
  42. Vote recorded in Journal
  43. Three day rule suspended
  44. Record vote
  45. Read 3rd time
  46. Passed
  47. Record vote
  48. Senate passage reported
  49. Reported enrolled
  50. Signed in the House
  51. Signed in the Senate
  52. Sent to the Governor
  53. Signed by the Governor
  54. Effective on 9/1/25
FILED UNDER

No verified beat found.

SIGNED FOR BY

House · 142 yea · 4 nay

Senate · 31 yea · 0 nay

Sources

House: Final passage · Apr 10, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

Senate: Final passage · May 29, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

All floor motions and other positions below.

Smells

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Donors

Douglas Robison$5,000Kurt Arnold$5,000Jason Itkin$5,000

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Nov 7, 2024 to Jun 23, 2025. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Douglas Robison$5,000.00
Kurt Arnold$5,000.00
Jason Itkin$5,000.00
Money

Missing data does not establish zero giving. Display amounts are rounded.

Votes5

Senate May 29, 2025

Yea
31
Nay
0
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Sources

Senator Zaffirini moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that HB 1094 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 31, Nays 0. The bill was read third time and was passed by the following vote: Yeas 31, Nays 0.

Published stock of positions for this vote, except where marked derived.

  • Yea: 31 (published)
  • Nay: 0 (published)
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

Senate May 29, 2025

Yea
31
Nay
0
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Sources

Senator Zaffirini moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that HB 1094 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 31, Nays 0.

Published stock of positions for this vote, except where marked derived.

  • Yea: 31 (published)
  • Nay: 0 (published)
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

Senate May 29, 2025

Yea
Not printed
Nay
Not printed
Present, not voting
Not printed
Absent
Not printed
Excused
Not printed
Names

Senate journal

Names were not printed. No individual positions are inferred.

Voice vote. No numeric tally or individual yeas are inferred.

Sources

The bill was read second time and was passed to third reading by a viva voce vote.

Published stock of positions for this vote, except where marked derived.

  • Yea: Not printed
  • Nay: Not printed
  • Present, not voting: Not printed
  • Absent: Not printed
  • Excused: Not printed

Senate journal. Source snapshot 2026-10-19, Central time.

House Apr 10, 2025

Yea
142
Nay
4
Present, not voting
2
Absent
1
Excused
1
Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 107

HB 1094 was passed by (Record 107): 142 Yeas, 4 Nays, 2 Present, not voting.

Published stock of positions for this vote, except where marked derived.

  • Yea: 142 (published)
  • Nay: 4 (published)
  • Present, not voting: 2 (published)
  • Absent: 1 (derived from named list)
  • Excused: 1 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

House Apr 9, 2025

Yea
134
Nay
11
Present, not voting
2
Absent
2
Excused
1
Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 100

HB 1094, as amended, was passed to engrossment by (Record 100): 134 Yeas, 11 Nays, 2 Present, not voting.

Published stock of positions for this vote, except where marked derived.

  • Yea: 134 (published)
  • Nay: 11 (published)
  • Present, not voting: 2 (published)
  • Absent: 2 (derived from named list)
  • Excused: 1 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

Witnesses5
For
4
Against
0
On
1
Names

For

  • SCI2 registrations
  • Sci1 registration
  • Texas Funeral Directors Association1 registration

On

  • Texas Department of Insurance1 registration
Sources

5 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

House witness list. Source snapshot 2026-10-20, Central time.

Senate witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version E · source

Sources

Fiscal note · version E · May 22, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Nov 12, 2024

06/20/2025 E Effective on 9/1/25

Texas Legislature Online · Introduced · House Committee Report · Engrossed · Senate Committee Report · Enrolled

Data snapshot Nov 1, 2026 at 6:27 PM CST. Grades, charges, quotes and corrections follow the published record.

Sponsors

House committee · Pensions, Investments & Financial Services · Committee vote 8 aye, 0 nay, 1 absent · Out of committee

Senate committee · Business & Commerce · Committee vote 11 aye, 0 nay · Out of committee

Subjects

Business & Commerce--General

Occupational Regulation--Other Trades & Professions

Transportation--Miscellaneous

FUNERALS & FUNERAL DIRECTORS

Text

The text as introduced · 334 words

89R2117 SRA-F

By: Lambert
H.B. No. 1094

A BILL TO BE ENTITLED

AN ACT

relating to the regulation of transportation protection

agreements.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 154.002, Finance Code, is amended by

amending Subdivisions (9) and (13) and adding Subdivision (15) to

read as follows:

(9) "Prepaid funeral benefits" means prearranged or

prepaid funeral or cemetery services or funeral merchandise,

including an alternative container, casket, or outer burial

container. The term does not include :

(A) a grave, marker, monument, tombstone, crypt,

niche, plot, or lawn crypt unless it is sold in contemplation of

trade for a funeral service or funeral merchandise to which this

chapter applies ; or

(B) a transportation protection agreement .

(13) "Funeral service" or "service" :

(A) means a service sold or offered for sale on a

preneed basis that may be used to:

(i) [ (A) ] care for and prepare a deceased

human body for burial, cremation, or other final disposition; and

(ii) [ (B) ] arrange, supervise, or conduct a

funeral ceremony or the final disposition of a deceased human body ;

and

(B) does not include a service provided under a

transportation protection agreement .

(15) "Transportation protection agreement" has the

meaning assigned by Section 101.056, Insurance Code.

SECTION 2. Subchapter B, Chapter 101, Insurance Code, is

amended by adding Section 101.056 to read as follows:

Sec. 101.056. TRANSPORTATION PROTECTION AGREEMENTS;

EXEMPTION FROM INSURANCE LAW. (a) In this section:

(1) "Seller" has the meaning assigned by Section

154.002, Finance Code.

(2) "Transportation protection agreement" means an

agreement that primarily provides for the coordination and

arrangement of all professional services related to the preparation

for purposes of transportation and subsequent transportation of a

deceased human body.

(b) A transportation protection agreement sold by a seller:

(1) does not constitute the business of insurance in

this state; and

(2) is otherwise exempt from the requirements of this

code.

SECTION 3. This Act takes effect September 1, 2025.