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2025 Legislative Wrap-up: Key Wins, Challenges, and What It Means for Independent Agents

The 89th Texas Legislative Session is in the books—and once again, IIAT was on the front lines protecting the interests of independent insurance agents. Over 9,000 bills were filed this session, with more than 150 of them directly affecting insurance. As political winds continue to shift, IIAT’s presence at the Capitol remains critical to ensuring common-sense policies that protect your business and your customers.

We’ve prepared Legislative Summary highlighting the most important developments from this session. You’ll find:

  • Bills That Passed – From declination disclosures to TWIA board reforms, several key pieces of legislation supported by IIAT are now law.

  • Bills That Failed – Learn why high-profile efforts like SB 30 (tort reform) didn’t pass—and what we’re doing next.

  • TWIA Legislation Round-Up – Get a snapshot of the bills aimed at the Texas Windstorm Insurance Association, and which changes made it across the finish line.

  • Political Landscape Overview – Understand how the current makeup of the Legislature shaped this year’s outcomes.

  • IIAT’s Advocacy in Action – How our Government Affairs team, in partnership with IIAT members and advisory councils, helped shape results behind the scenes.

Read the 2025 Legislative Summary

Why It Matters

This session made one thing clear: more lawmakers are focusing on social and consumer-driven legislation, and insurance is in the spotlight. That means IIAT’s mission of advocacy is more vital than ever. Whether you’re based in Dallas or Del Rio, these laws and debates will impact your agency, your clients, and your bottom line.

Stay Informed. Stay Engaged.

Independent agents deserve a voice, and thanks to your membership, IIAT is making sure it’s heard. If you have questions or want to get involved with our advocacy efforts, we’re just a call or click away.

Questions? Contact Regan Ellmer, Director of Government Affairs, at rellmer@iiat.org.

Take Action: Support IMPACT!

You have the power to help shape the future of our state's business climate. Contributing to IIAT's political action committee, IMPACT, directly supports our legislative advocacy efforts. Your donation will help IIAT and our coalition partners promote sensible lawsuit reform, protect Texas businesses, and ensure a fairer, more predictable legal environment.

Your support can make the difference!

Contribute to IMPACT today and join us in safeguarding Texas's economic prosperity and fairness in our legal system.

DONATE NOW

NOTE: The Texas Ethics Commission has strict prohibitions on contributions and expenditures and forbids a corporation or labor organization from making a political contribution or political expenditure. Therefore, IIAT members wishing to make a contribution to IMPACT must do so with a personal or partnership contribution. Corporate contributions are prohibited by law.

“It's vital to our industry to give to IMPACT. That is why we encourage all our team to contribute. The state political process is something that affects our entire organization. Even the smallest donation can help.”“ Frank Swingle, Swingle Collins & Associates