TMLT coverages you may not know you have

Over the years, TMLT has added a variety of coverages to your policy that you may not be aware of. The following coverages are included in every TMLT policy at no additional cost.

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We at Texas Medical Liability Trust (TMLT) are always looking for ways to bring added value and help to Texas physicians. 

The everyday challenges of seeing patients and practicing medicine are ever evolving. So, we work hard to keep up with those changes and offer our policyholders the very best in professional medical liability coverage. 
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Over the years, TMLT has added a variety of coverages to your policy that you may not be aware of. The following coverages are included in every TMLT policy at no additional cost. 
 

• Medefense is TMLT’s administrative defense coverage designed to cover certain legal expenses, fines, and penalties associated with disciplinary proceedings, such as actions by the Texas Medical Board, a hospital review committee, or a federal regulatory agency. Covered disciplinary proceedings include, but are not limited to:
  • actions by a state medical licensing authority;
  • a professional review action regarding clinical privileges;
  • a proceeding instituted by a state department of insurance, state workers’ compensation commission, or state department of health and human services;
  • a proceeding instituted by a federal regulatory agency, such as the U.S. Department of Health and Human Services, or Centers for Medicare and Medicaid Services;
  • proceedings alleging violations of EMTALA, HIPAA, Stark law; and
  • a tax practitioner's fees to assist a policyholder in an IRS audit of a federal tax return.

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• ‍Cyber liability coverage is designed to provide coverage for liability and certain expenses incurred as a result of covered privacy violations and cyber attacks. Coverage includes, but is not limited to:
  • ransom payments made in response to cyber extortion or ransomware attack;
  • costs for recovering your computer system to its original working order from before a cyber event, and to restore, repair or reinstall data or software affected by the event;
  • lost income and expenses incurred from a business interruption or slowdown of operations caused by a cyber event;
  • costs or lost income due to reputational harm caused by a cyber event becoming public information and damaging your reputation; and
  • proof of loss costs, including any reasonable and necessary costs for an expert to determine the amount and the extent of any covered business interruption loss, data and system recovery costs, extra expense, and reputation loss.
    
    Our cyber liability insurance also covers practices and groups against claims alleging privacy violations due to a cyber event; regulatory fines and penalties; and payment card penalties resulting from a cyber event and much more. Exclusions may apply. Please refer to your policy or contact your underwriter for more information.
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• ‍Employment practices liability insurance, or EPLI, protects against employment-related claims such as harassment, wrongful termination, hostile work environment, discrimination, and more. EPLI protects against claims from former and current employees or applicants for employment. TMLT is the first Texas medical malpractice carrier to include EPLI coverage at no additional charge. 

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• ‍Locum Tenens insurance refers to coverage for a physician standing in temporarily for another physician while he or she is absent. TMLT will cover a substitute physician working for your group or practice for up to 30 days per year.
 
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• Our premises liability coverage protects you and your practice from lawsuits filed by patients that allege injury because of an accident that occurred on your premises, but which are not related to your professional services. This insurance will also cover any reasonable first aid medical expenses up to $5,000 for the patient.
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• ‍Medical director coverage is for physicians who also serve in an administrative capacity as head of an organized medical staff. Potential liability issues involving administrative areas of a practice include:
  • billing;
  • patient/staff communications and interactions;
  • patients requesting prescription refills;
  • scheduling follow-up appointments; and
  • cyber security management of an office or practice. 

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Medical director coverage is available at a cost of $250 per policy period. Policyholders can opt out of medical director coverage when they renew their policies. 

All coverages listed in this article are provided to TMLT policyholders according to the terms and conditions listed in their individual policies. This article is being provided for informational purposes only and does not represent a revision, change, expansion, or reduction of the coverage contained in your TMLT policy. Available coverage is determined on a case-by-case basis at the time a claim is filed.
 
To learn more about these policy features, including limits or to check if higher limits are available, please refer to your policy or contact your underwriter. You may also visit the medical liability insurance page on our website for more information.
 

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