Committed to Protecting Texas Physicians

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.

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.

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.

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, 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.