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2025 · Regular session · House bill
HB1094
Effective September 1, 2025, HB1094 exempts a narrowly defined transportation protection agreement sold by a qualifying seller from the Texas Insurance Code.
Official caption: Relating to the regulation of transportation protection agreements.
Official report lists House author(s): Lambert, Plesa. This does not identify sponsors or amendment drafters.
Bill explanation published · Version and amendment review scope is stated below · Individual amendment records may not be separately annotated.
Bill highlights
Selected points from the published explanation. Follow each point to its source-linked context; conditions and limits may matter.
- Effective September 1, 2025, HB1094 exempts a narrowly defined transportation protection agreement sold by a qualifying seller from the Texas Insurance Code.
- The agreement must pay to transport a deceased person's body from the place of death to a licensed holding facility or licensed crematory, and the death must occur more than 75 miles from the licensed facility that will provide funeral services.
- For the insurance exemption, the seller must fit Finance Code Section 154.002's definition: someone selling, taking money or premiums for, or soliciting prepaid funeral-benefit contracts or contracts/insurance policies that fund those benefits in Texas.
What does it do?
Effective September 1, 2025, HB1094 exempts a narrowly defined transportation protection agreement sold by a qualifying seller from the Texas Insurance Code. It also excludes these agreements from the Finance Code’s definitions of prepaid funeral benefits and funeral services. This is a change in how the product is regulated—not a state-funded transportation benefit. Final law
The agreement must pay to transport a deceased person’s body from the place of death to a licensed holding facility or licensed crematory, and the death must occur more than 75 miles from the licensed facility that will provide funeral services. The distance test is not measured from the person’s home, nor is it simply the length of the transportation trip.
For the insurance exemption, the seller must fit Finance Code Section 154.002’s definition: someone selling, taking money or premiums for, or soliciting prepaid funeral-benefit contracts or contracts/insurance policies that fund those benefits in Texas. The law does not exempt every transportation business or every funeral product. Seller definition, Section 154.002(10)
What changed along the way?
The introduced and House committee versions used a broader definition covering coordination and arrangement of professional services associated with preparing and transporting a body. Representative Lambert’s sole indexed floor amendment replaced that wording with the payment agreement, licensed-destination and more-than-75-mile conditions described above. The House adopted it April 9, 2025. That change appears in the engrossed, Senate committee and final texts, whose operative provisions match.
Governor Abbott signed HB1094 June 20, 2025. The final votes were 142–4 in the House, with two present but not voting, and 31–0 in the Senate. History · Text versions · Introduced · House committee · Engrossed · Senate committee · Amendment text · Amendment index
For the full amendment record, open the official amendment index.
Official bill versions
Compare the published text versions in the official text index. A change is not attributed to a specific amendment here without a verified record.
Who could benefit—and who could bear the costs?
Qualifying sellers gain a clearer regulatory exemption for this product. Families planning for a death away from the funeral-service facility may find these arrangements useful, but coverage and payment obligations depend on the agreement. The law does not set a price, guarantee savings or require anybody to buy one.
Buyers should not assume the product carries the same protections as an insurance policy or a regulated prepaid funeral-benefit contract: the bill expressly removes qualifying agreements from those categories. It does not declare them exempt from every other applicable law.
Both indexed Legislative Budget Board notes anticipate no significant fiscal impact on state or local government, with state implementation costs absorbed within existing resources. They provide no quantified household savings, seller profits or two-year/five-year cost total. Introduced fiscal note, March 16 · Engrossed fiscal note, May 22
Official sources
- Bill history and latest recorded action
- Bill versions, analyses and fiscal notes
- Action history and votes
- Amendment index
Catalog report retrieved 2026-10-25. Check the official record for corrections or later changes.