The bill, S.B. No. 593, introduces Chapter 1808 to the Texas Insurance Code, which establishes prohibitions on premium increases for personal automobile or residential property insurance policies. Specifically, it states that insurers cannot raise premiums solely due to claims made for damages or injuries resulting from actions by governmental bodies, officers, or employees who possess sovereign, governmental, or official immunity. This provision aims to protect policyholders from financial repercussions related to claims against entities that are typically shielded from liability.

The new regulations will apply to insurance policies that are delivered, issued for delivery, or renewed on or after January 1, 2026, and the act is set to take effect on September 1, 2025. This legislation seeks to ensure that individuals are not unfairly penalized through increased insurance costs when they file claims related to incidents involving government entities.

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