Monitoring the Session

HB 2275

bill keeping surplus lines arbitration in Texas

Companion SB 455 became law

Verdict: No flags

No flagsInitial review
Rep. Matt MorganRHouse 26

Initial review · graded Oct 19, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to arbitration provisions in surplus lines insurance contracts.

Caption from analyzed text · version I.

Summary

Arbitration in Texas, under Texas law, and the policy too.

The bill says any surplus lines insurance policy that includes an arbitration clause must require the arbitration to happen in Texas under Texas law, and the policy itself must be read under Texas law. It touches surplus lines insurers, which cover risks standard insurers will not take, and the Texas people and businesses who buy those policies. Starting with policies issued or renewed on or after January 1, 2026, a Texas policyholder in a dispute cannot be sent to arbitrate out of state or under another state's or country's law.

Labels

Labels: BACK FROM THE DEAD. Same text as a bill filed before that died: 88R HB 5144 by Rep. Ann Johnson (Died in committee). Filed in 2 sessions, counting this one. Checked against 88R only.TRY NO. 2. Filed in 2 sessions: 88R and 89R. Checked against 88R only.ACROSS THE AISLE. Joint authors: 2 Republicans, 3 Democrats. Party as the Legislative Reference Library lists it for the 89th Legislature.

Receipt

The receipt

89R-HB2275 · 2025-01-30

SOLD BY

Rep. Matt MorganRHouse 26 Rep. Jeff BarryRHouse 29 Rep. Ann JohnsonDHouse 134

+ 2 more authors, 100 coauthors

ITEM

relating to arbitration provisions in surplus lines insurance contracts.

WHAT IT DOES

Arbitration in Texas, under Texas law, and the policy too.

The bill says any surplus lines insurance policy that includes an arbitration clause must require the arbitration to happen in Texas under Texas law, and the policy itself must be read under Texas law. It touches surplus lines insurers, which cover risks standard insurers will not take, and the Texas people and businesses who buy those policies. Starting with policies issued or renewed on or after January 1, 2026, a Texas policyholder in a dispute cannot be sent to arbitrate out of state or under another state's or country's law.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 3, 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 Insurance
  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 formal meeting
  9. Committee substitute considered in committee
  10. Reported favorably as substituted
  11. Comte report filed with Committee Coordinator
  12. Committee report distributed
  13. Committee report sent to Calendars
  14. Considered in Calendars
  15. Placed on General State Calendar
  16. Companion considered in lieu of SB 455
  17. Laid on the table subject to call
FILED UNDER

Beats not yet reviewed.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Matt Morgan

Donors

Texas Conservative Majority PAC$199KTexans for Lawsuit Reform PAC$150KTexans for Truth and Liberty PAC$55K

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 · Oct 27, 2024 to Oct 20, 2026. 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.

Texas Conservative Majority PAC$199,350.00

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. 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.

Report IDs: 101067971, 101072248.

Texans for Lawsuit Reform PAC$150,123.30

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. 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.

Report IDs: 101067971, 101072248.

Texans for Truth and Liberty PAC$55,000.00

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. 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.

Report IDs: 101006291, 101067971, 101072248.

Money

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

×

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. 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.

Report IDs: 101067971, 101072248.

×

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. 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.

Report IDs: 101067971, 101072248.

×

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. 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.

Report IDs: 101006291, 101067971, 101072248.

Votes

No floor vote loaded for this bill.

Witnesses17
For
9
Against
6
On
2
Names

For

  • AARP Texas1 registration
  • National Association of Public Insurance Adjusters (NAPIA)1 registration
  • Raizner Slania1 registration
  • Self1 registration
  • Self; Chad t wilson law firm1 registration
  • Self; Ron Cooper Public Adjusting1 registration
  • Self; Texas Trial Lawyers Assn1 registration
  • Texas Association of Public Insurance Adjusters (TAPIA)1 registration
  • Texas Watch1 registration

Against

  • American propert casualty insurance association1 registration
  • Chubb1 registration
  • Insurance Council of Texas1 registration
  • National Association of Mutual Insurance Companies1 registration
  • Velocity Risk1 registration
  • Wholesale specialty insur association1 registration

On

  • Independent Insurance Agents of Texas1 registration
  • Texas Department of Insurance1 registration
Sources

17 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.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 3, 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 19, 2026, against the published rubric.

FILED BEFORE

Filed 2 times: 88R and 89R. Checked against 88R only.

88R HB 5144

by Rep. Ann Johnson, different lead author · Died in committee · same text

Introduced text

Last action, Mar 24, 2023: Referred to Insurance

Relating to arbitration provisions in surplus lines insurance contracts.

Caption, 88R bill history

Sources

Texas House · Filed Jan 30, 2025

05/09/2025 H Laid on the table subject to call

Texas Legislature Online · Introduced · House Committee Report

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

Coauthors
Daniel AldersRHouse 6 Alma A. AllenDHouse 131 Rafael AnchíaDHouse 103 Trent AshbyRHouse 9 Cecil Bell Jr.RHouse 3 Keith BellRHouse 4 Diego M. BernalDHouse 123 Salman BhojaniDHouse 92 Rhetta Andrews BowersDHouse 113 Brad BuckleyRHouse 54 John H. Bucy IIIDHouse 136 Benjamin BumgarnerRHouse 63 Briscoe CainRHouse 128 Elizabeth "Liz" CamposDHouse 119 Sheryl ColeDHouse 46 David CookRHouse 96 Philip CortezDHouse 117 Charles CunninghamRHouse 127 Pat CurryRHouse 56 Yvonne DavisDHouse 111 Jay DeanRHouse 7 Mano DeAyalaRHouse 133 Mark DorazioRHouse 122 Harold V. Dutton Jr.DHouse 142 Paul DysonRHouse 14 Lulu FloresDHouse 51 James FrankRHouse 69 Josey GarciaDHouse 124 Linda GarciaDHouse 107 Gary GatesRHouse 28 Stan GerdesRHouse 17 Jessica GonzálezDHouse 104 Mary E. GonzálezDHouse 75 R.D. "Bobby" GuerraDHouse 41 Ryan GuillenRHouse 31 Sam HarlessRHouse 126 Cody HarrisRHouse 8 Richard HayesRHouse 57 Cole HefnerRHouse 5 Ana HernandezDHouse 143 Gina HinojosaDHouse 49 Andy HopperRHouse 64 Lacey HullRHouse 138 Todd HunterRHouse 32 Carrie IsaacRHouse 73 Venton JonesDHouse 100 Helen KerwinRHouse 58 Stan KitzmanRHouse 85 Marc LaHoodRHouse 121 Suleman LalaniDHouse 76 Mitch LittleRHouse 65 Oscar LongoriaDHouse 35 AJ LouderbackRHouse 30 David LoweRHouse 91 J. M. LozanoRHouse 43 John LujanRHouse 118 Shelley LutherRHouse 62 Christian ManuelDHouse 22 Armando "Mando" MartinezDHouse 39 Trey Martinez FischerDHouse 116 Don McLaughlinRHouse 80 John McQueeneyRHouse 97 Will MetcalfRHouse 16 Terry MezaDHouse 105 Brent MoneyRHouse 2 Penny Morales ShawDHouse 148 Christina MoralesDHouse 145 Eddie MoralesDHouse 74 Sergio Muñoz Jr.DHouse 36 Candy NobleRHouse 89 Mike OlcottRHouse 60 Tom OliversonRHouse 130 Claudia OrdazDHouse 79 Jared PattersonRHouse 106 Mary Ann PerezDHouse 144 Vincent PerezDHouse 77 Katrina PiersonRHouse 33 Mihaela PlesaDHouse 70 Richard Peña RaymondDHouse 42 Ron ReynoldsDHouse 27 Keresa RichardsonRHouse 61 Ramon Romero Jr.DHouse 90 Jon E. RosenthalDHouse 135 Nate SchatzlineRHouse 93 Alan SchoolcraftRHouse 44 Joanne ShofnerRHouse 11 Shelby SlawsonRHouse 59 John T. SmitheeRHouse 86 James TalaricoDHouse 50 Carl H. TepperRHouse 84 Tony TinderholtRHouse 94 Steve TothRHouse 15 Ellen TroxclairRHouse 19 Chris TurnerDHouse 101 Cody VasutRHouse 25 Denise VillalobosRHouse 34 Wes VirdellRHouse 53 Hubert VoDHouse 149 Charlene Ward JohnsonDHouse 139 Erin ZwienerDHouse 45

House committee · Insurance · Committee vote 9 aye, 0 nay · Out of committee

Companion

SB 455 by Middleton (identical)

Subjects

Insurance--General

Insurance--Insurers & Agents

MEDIATION, DISPUTE RESOLUTION, & ARBITRATION

Text

The text as introduced · 180 words

89R590 SCL-D

By: Morgan
H.B. No. 2275

A BILL TO BE ENTITLED

AN ACT

relating to arbitration provisions in surplus lines insurance

contracts.

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

SECTION 1. Section 981.101, Insurance Code, is amended by

adding Subsection (d) to read as follows:

(d) A surplus lines insurance contract that contains an

arbitration agreement must provide that:

(1) the arbitration will be:

(A) conducted in this state; and

(B) governed by the laws of this state; and

(2) the insurance contract will be interpreted in

accordance with the laws of this state.

SECTION 2. Section 981.101(d), Insurance Code, as added by

this Act, applies only to a surplus lines insurance contract

delivered, issued for delivery, or renewed on or after January 1,

2026. A surplus lines insurance contract delivered, issued for

delivery, or renewed before January 1, 2026, is governed by the law

as it existed immediately before the effective date of this Act, and

that law is continued in effect for that purpose.

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