Committed to Protecting Texas Physicians
From our foundation in 1979 to today, we provide trusted coverage, strong advocacy, and dedicated support for physicians across Texas.
Partnership For a New Era of Medicine
TMLT was founded in 1979 by the Texas Medical Association to provide Texas physicians with reliable, physician-led malpractice coverage. Today, with more than 20,000 policyholders, we’re the largest and most trusted medical liability provider in Texas.
Our mission is to protect and support physicians so they can focus on what matters most: providing exceptional care to patients.
What Guides Us
Physician Leadership
Our Board of Trustees, comprised entirely of physicians, ensures decisions are grounded in firsthand medical experience.
Strong Claim Defense
When you need us most, our claim staff and attorneys will defend your career and reputation.
Advocacy for Physicians
From tort reform to reducing regulatory burdens, TMLT has championed the needs of physicians for decades.
A Legacy of Leadership
1979
In 1979, TMLT was founded by Texas physicians as a source of stable, affordable malpractice insurance designed to meet their unique needs. Guided by a physician-led Board of Trustees, TMLT grew from a bold idea into the largest and most trusted medical liability provider in Texas, serving more than 20,000 policyholders today.
1990s
In the late 1990s, non-meritorious lawsuits and skyrocketing legal costs created a crisis for Texas physicians. Many insurers left the state or raised rates, forcing physicians to retire early, avoid high-risk cases, or leave Texas altogether — restricting access to quality care.
TMLT took action. As a founding member of the Texas Alliance for Patient Access (TAPA), we worked to pass Texas’ 2003 tort reforms. These changes set a $250,000 cap on non-economic damages for physicians, reducing frivolous lawsuits while protecting patients’ rights to seek economic damages for valid claims. The reforms also strengthened emergency care protections and standardized expert witness requirements.
Following these changes, TMLT led the way with the first rate reduction — 12% in 2004 — and a steady stream of further decreases. We also expanded our coverage to include cyber liability and employment practices insurance, ensuring our physicians are protected from evolving risks.
These historic reforms didn’t just lower costs; they empowered us to protect what matters most: your ability to deliver excellent care without unnecessary legal burdens.
2003
In 2003, TMLT played a pivotal role in passing Texas’ landmark tort reforms, capping non-economic damages and reducing frivolous lawsuits. These changes significantly lowered liability costs, making malpractice insurance more affordable for physicians while maintaining patient rights. As a result, TMLT was the first to reduce rates and continue offering enhanced coverage, including cyber liability and employment practices insurance.
2020
In 2020, TMLT remained at the forefront of innovation, responding to emerging risks like cyber threats and workplace issues. Expanding coverage to include additional protections, we ensured that Texas physicians could confidently face new challenges while continuing to provide quality care. Our commitment to advocacy and leadership in the face of evolving health care dynamics remained steadfast.
Today
Today, TMLT stands as the largest and most trusted provider of medical liability insurance in Texas, serving more than 20,000 policyholders. With a continued focus on advocacy, we work to protect physicians from regulatory burdens, preserve tort reforms, and offer innovative coverage solutions that meet the changing needs of healthcare professionals. TMLT is here to safeguard what matters most — your practice and your patients.
TMLT has a long-standing record of advocating for physicians and the medical community.
We helped pass important tort reform legislation in 2003 and continue to support similar efforts inspired by the Texas model. We work with advocacy groups, medical organizations, and government agencies to improve access to quality health care, simplify regulations, and protect the rights of health care professionals. By collaborating and staying involved in legal developments, we aim to create a fair system that benefits both physicians and patients.
Meet the TMLT Board of Trustees
TMLT is led by a Board of Trustees elected by TMLT policyholders. Members of the Board are physicians who draw on their knowledge and experience of medical practice to help guide operations.
Lindsey Harris, MD
Dr. Harris is an ophthalmologist in Houston, Texas. She has been a TMLT policyholder since 2008.
Herb Singh, MD
Dr. Singh is a urologist in Austin, Texas. He has been a TMLT policyholder since 2005.
Leah H. Jacobson, MD
Dr. Jacobson is a pediatrician in San Antonio, Texas. She has been a TMLT policyholder since 2003.
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Mark Ambler, MD
Dr. Ambler is a family physician in Austin, Texas. He has been a TMLT policyholder since 2001.
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Jamie L. Lynch, MD
Dr. Lynch is a orthopaedic surgeon in San Antonio, Texas. She has been a TMLT policyholder since 2012.
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Jorge Sainz, MD
Dr. Sainz is a pediatrician in El Paso, Texas. He has been a TMLT policyholder since 2008.
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Gary J. Sheppard, MD
Dr. Sheppard is an internist in Houston, Texas. He has been a TMLT policyholder since 1999.
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Joseph S. Valenti, MD
Dr. Valenti is a gynecologist in Denton, Texas. He has been a TMLT policyholder since 2013.
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Sarah Way, MD, JD
Dr. Way is an emergency medicine physician in Dallas, Texas. She has been a TMLT policyholder since 2007.
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Robert D. Donohoe, CPCU
Bob Donohoe joined TMLT in January 2012 as Senior Vice President and subsequently served as Chief Operating Officer. In July 2014, the TMLT Board of Trustees appointed Bob as President and Chief Executive Officer. He now serves as President and CEO of all the TMLT associated and affiliated entities.
Before joining TMLT, Bob was Managing Director of Aon Benfield, with primary responsibilities including developing and maintaining client relationships, education and training, systems integration and strategic planning.
Partners in Protection
TMLT extends its coverage to physicians outside of Texas through Lone Star Alliance and to allied health care professionals through Texas Medical Insurance Company.
Lone Star Alliance
Whether you’re relocating or expanding, LSA provides the same high-quality medical liability coverage and service you expect from TMLT. LSA is designed to meet the needs of both small practices and large groups.
TMIC
Texas Medical Insurance Company (TMIC) offers coverage to allied health care professionals, such as nurses, advanced practice providers, PAs, technicians, and more.
Endorsed by Leading Medical Organizations
We are exclusively endorsed by the following organizations.
The Dallas County Medical Society (DCMS), established in 1876, is a professional organization that has grown from 30 to more than 7,100 physicians. TMLT has been endorsed by the Dallas County Medical Society since 1994.
Formed in 1898, the El Paso County Medical Society (EPCMS) currently has more than 800 active members. The society emphasizes the union of physicians into an organization, secures and enacts enforcement of legislation, and fosters good relations in the community. TMLT has been endorsed by the EPCMS since 2012.
Established in 1903, the Harris County Medical Society (HCMS) is the largest county medical society in the U.S., with a membership of more than 11,000 physicians and medical students. TMLT has been endorsed by the HCMS since 1998.
The Hidalgo-Starr County Medical Society represents more than 600 physicians in a two-county region. TMLT has been endorsed by the Hidalgo-Starr County Medical Society since 2013.
Join the 20,000+ Texas physicians who trust TMLT for their medical liability insurance needs.
Protect your career with the trusted leader in medical liability insurance.
