Monitoring the Session

HB 3569

bill barring insurers from dropping agents over losses

Did not pass

Verdict: No flags

No flagsInitial review
Rep. Jeff BarryRHouse 29

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to certain contract refusals, terminations, and suspensions of licensed insurance agents by a property and casualty insurer.

Caption from analyzed text · version I.

Summary

Premium volume and losses can’t justify cutting an agent.

The bill bars property and casualty insurers from refusing to sign a contract with any agent licensed in Texas for the line of insurance involved. It also bars insurers from cutting off, suspending, refusing to sign, or refusing to renew an agent because of how much premium the agent writes or how much the insurer loses on the agent's policies. Captive agents are left out, an insurer can still turn away an agent it dropped earlier for other reasons, and the rules reach only contracts made on or after September 1, 2025.

Labels

Labels: STALLED AFTER COMMITTEE. Voted out of the House Insurance committee 9-0 on May 7, 2025. Placed on the General State Calendar on May 15, 2025. The bill died.

Receipt

The receipt

89R-HB3569 · 2025-03-03

SOLD BY

Rep. Jeff BarryRHouse 29 Rep. Matt MorganRHouse 26

ITEM

relating to certain contract refusals, terminations, and suspensions of licensed insurance agents by a property and casualty insurer.

WHAT IT DOES

Premium volume and losses can’t justify cutting an agent.

The bill bars property and casualty insurers from refusing to sign a contract with any agent licensed in Texas for the line of insurance involved. It also bars insurers from cutting off, suspending, refusing to sign, or refusing to renew an agent because of how much premium the agent writes or how much the insurer loses on the agent's policies. Captive agents are left out, an insurer can still turn away an agent it dropped earlier for other reasons, and the rules reach only contracts made on or after September 1, 2025.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version I · source

Sources

Fiscal note · version I · May 5, 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. 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
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Jeff Barry

Donors

Texans for Lawsuit Reform PAC$100KTexas Conservative Majority PAC$59KTexas Sands PAC$33K

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 28, 2024 to Oct 23, 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.

Texans for Lawsuit Reform PAC$100,000.00

Texans for Lawsuit Reform PAC

$100,000.00

Cash
$100,000.00
Paid by others
$0.00
Total
$100,000.00

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 · Jun 23, 2025 to Sep 18, 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: 101008627, 101031921, 101068499.

Texas Conservative Majority PAC$58,800.00

Texas Conservative Majority PAC

$58,800.00

Cash
$35,000.00
Paid by others
$23,800.00
Total
$58,800.00
polling $17,500.00canvassing $6,300.00

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 · Sep 9, 2026 to Oct 23, 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: 101068499, 101070140.

Texas Sands PAC$33,000.00

Texas Sands PAC

$33,000.00

Cash
$33,000.00
Paid by others
$0.00
Total
$33,000.00

Also funds 121 other sitting lawmakers.

Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 9, 2026 to Sep 25, 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: 101039992, 101070140.

Money

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

×

Texans for Lawsuit Reform PAC

$100,000.00

Cash
$100,000.00
Paid by others
$0.00
Total
$100,000.00

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 · Jun 23, 2025 to Sep 18, 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: 101008627, 101031921, 101068499.

×

Texas Conservative Majority PAC

$58,800.00

Cash
$35,000.00
Paid by others
$23,800.00
Total
$58,800.00
polling $17,500.00canvassing $6,300.00

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 · Sep 9, 2026 to Oct 23, 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: 101068499, 101070140.

×

Texas Sands PAC

$33,000.00

Cash
$33,000.00
Paid by others
$0.00
Total
$33,000.00

Also funds 121 other sitting lawmakers.

Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 9, 2026 to Sep 25, 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: 101039992, 101070140.

Votes

No floor vote loaded for this bill.

Witnesses8
For
2
Against
4
On
2
Names

For

  • Self1 registration
  • Self; American Adjuster Association1 registration

Against

  • American Property Casualty Insurance Association1 registration
  • Insurance Council of Texas1 registration
  • National Association of Mutual Insurance Companies1 registration
  • Texas Coalition for Affordable Insurance Solutions1 registration

On

  • Self1 registration
  • Texas Department of Insurance1 registration
Sources

8 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 I · source

Sources

Fiscal note · version I · May 5, 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 Mar 3, 2025

05/15/2025 H Placed on General State Calendar

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.

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

Subjects

Insurance--Insurers & Agents

Insurance--Property & Casualty

DISCRIMINATION

Text

The text as introduced · 311 words

By: Barry
H.B. No. 3569

A BILL TO BE ENTITLED

AN ACT

relating to certain contract refusals, terminations, and

suspensions of licensed insurance agents by a property and casualty

insurer.

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

SECTION 1. The heading to Subchapter H, Chapter 4051,

Insurance Code, is amended to read as follows:

SUBCHAPTER H. EXECUTION, TERMINATION , OR SUSPENSION OF AGENT

CONTRACTS BY PROPERTY AND CASUALTY INSURERS

SECTION 2. Subchapter H, Chapter 4051, Insurance Code, is

amended by adding Section 4051.3515 to read as follows:

Sec. 4051.3515. PROHIBITED DISCRIMINATION AGAINST LICENSED

AGENT. (a) This section does not apply to a captive agent.

(b) Except as provided by Subsection (c), an insurer may not

refuse to enter into a contract with an agent who holds a license:

(1) issued under this chapter; and

(2) authorizing the agent to write a line of insurance

that is the subject of the contract.

(c) Subsection (b) does not apply to an agent who previously

contracted with or was appointed by the insurer and the insurer

terminated, suspended, or refused to renew the contract or

appointment:

(1) in accordance with this subchapter; and

(2) on the basis of a requirement or other reason not

described by Subsection (d).

(d) An insurer may not terminate, suspend, or refuse to

enter into or renew a contract with an agent on the basis of:

(1) direct written premium; or

(2) the amount of loss that is:

(A) incurred by the insurer; and

(B) associated with an insurance policy written

or sold by the agent.

SECTION 3. Section 4051.3515, Insurance Code, as added by

this Act, applies only to the termination or suspension of, or

refusal to renew, an appointment or contract that is entered into on

or after the effective date of this Act.

SECTION 4. This Act takes effect September 1, 2025.