Medical malpractice insurance for physicians in Texas
TMLT's medical malpractice insurance is designed for Texas physicians, offering comprehensive coverage that safeguards your career and peace of mind. With tailored plans and exceptional support, you can focus on what you do best — caring for your patients.
Get the best protection and benefits with TMLT
Medical professional liability insurance, also known as medical malpractice insurance, provides coverage to health care professionals if a claim arises from their practice. These policies pay defense costs and generally cover claims for medical error or neglect, even if the claims are without merit.
Types of Medical Liability Insurance
Claims Made
Protects you during the current policy period, usually one year. If you do not renew your claims-made policy, you no longer have coverage for any claims that may be file in the future that are alleged to have occurred during the time your policy was in force. With a claims-made policy, you will need to purchase tail coverage.
Occurence
Provides ongoing coverage for events that occur during the policy period, even if they are reported after the policy is cancelled. You do not need tail coverage with an occurrence policy.
How Much Insurance Do You Need?
Limits of coverage spell out the maximum amount your policy will pay. With malpractice coverage, there are two limits. The first limit is the maximum per claim (known as "each claim"), while the second limit is the maximum paid during the policy period (known as "all claims").
In general, insurance companies cannot tell you what limits to carry. But you can speak with colleagues who practice in your specialty and location to see what limits they carry. Your financial advisor or insurance agent may also recommend limits based on your financial situation.
Let us protect & advocate for you and your practice
At TMLT, we provide top-tier protection and support for physicians. As a self-insured trust led by a physician Board of Trustees, we leverage real-world medical experience to guide our operations. We’re your advocate in the courtroom, statehouse, and beyond, especially in the aftermath of COVID-19.
Included Benefits with Every TMLT Policy
Customized risk management services
When physicians join TMLT, they gain a partner — a partner who shares their commitment to practicing safe medicine. We provide a customized approach and a team of risk management professionals to help mitigate risk. Our risk management services include CME courses, on-site practice reviews, and telephone and email consultations.
Cyber liability insurance
Coverage for data breaches and privacy liability actions, which protects your practice from major expenses, lawsuits, business interruptions, and regulatory fines and penalties.
Employment practices liability insurance
EPLI protects against employment-related claims such as harassment, wrongful termination, and discrimination.
Medefense (coverage for disciplinary actions)
Medefense covers legal expenses, fines, and penalties associated with disciplinary actions, such as actions by the Texas Medical Board, a hospital review committee, or a federal regulatory agency.
Support When You Need It Most
At TMLT, we prioritize your peace of mind. Our claims process is designed to be straightforward and supportive.
Report Your Claim
Contact us with the details.
Get Expert Support
We assign experienced supervisors and attorneys to your case.
Find Resolution
TMLT will aggressively defend non-meritorious claims.
How to Choose a Medical Malpractice Insurance Carrier
If you're a member of a group, or employed at a hospital, it's important to ask questions and understand the details of the insurance policy provided to you. Click below to learn more about buying medical liability insurance and how to choose the right carrier.
Texas Medical Association Membership
TMLT is the only medical professional liability insurance provider created and exclusively endorsed by Texas Medical Association (TMA).
To join TMLT, you must be a member of TMA or have a pending membership application to apply for coverage.
The Texas Medical Association, the nation's largest state medical society, speaks out for more than 48,000 physician and medical student members across the state to improve the health of all Texans. In partnership with 110 county medical societies, TMA has been helping Texas physicians set high professional and ethical standards since 1853.
Empowering Physicians with Comprehensive Malpractice Insurance Solutions Since 1979
At TMLT, our mission is to provide exceptional malpractice insurance tailored to the unique needs of physicians. We are committed to supporting healthcare professionals with reliable coverage and dedicated service, ensuring peace of mind in their practice.
We’re Trusted by Leading Organizations
