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Bill

HB 5317

Relating to the establishment of a risk management pool to provide insurance coverage.

89th Legislature (2025) Introduced by Cecil Bell and 1 co-sponsor

Texas bill establishing a risk management insurance pool for collective self-insurance coverage; currently pending in committee after April 30 public hearing and substitute consideration.

Left pending in committee
#insurance--general(i0445) #riskmanagement #stateofficeof(v0530) #statefinances--management&control(i0748)
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Bill Summary · HB 5317

Legislative bill overview

HB 5317 establishes a risk management pool mechanism in Texas to provide insurance coverage, though the bill's specific scope and structure are not detailed in the available information. The measure was considered in committee on April 30, 2025, with a committee substitute proposed, indicating substantive deliberation and potential modifications to the original language.

Why is this important

Risk management pools are specialized insurance mechanisms that allow groups—such as municipalities, school districts, or professional associations—to collectively self-insure and manage liability exposure. Creating a formal pool structure can affect insurance costs, coverage availability, and financial risk distribution across participating entities in Texas.

Potential points of contention

  • Scope and eligibility: Unclear which entities or sectors would be permitted to participate in the pool, potentially creating fairness questions about who gains access to alternative insurance mechanisms
  • State oversight and regulation: Questions about regulatory authority, solvency requirements, and consumer protections for pool participants versus traditional commercial insurance
  • Cost allocation: How assessment structures and liability distributions would be determined among pool members, with implications for smaller versus larger participants

Compiled from official sources — confirm details with the bill’s official record.

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