Texas Medical Malpractice Insurance

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  • Coverage for every specialty & facility in Texas.
  • Texas physicians save an average of 25%.
  • Switch at any time.

    There is no need to wait for your current policies renwal date. Switch today & save money!

  • Need prior acts coverage?

    Tail coverage can be included in your insurance policy. No more separate tail policies.

  • Have you had malpractice claims in the past?

    No problem. Coverage availabe for physicians with a history of medical malpractice claims.

  • Obtain the lowest premiums available.
  • Occurrence & claims-made coverage available.
  • Rate quotes from multiple carriers.

    Compare rates from different insurance carriers to ensure quality coverage & savings you deserve.

  • Access to “A+” rated insurance companies.

    Texas state admitted carriers & risk retention groups available.

  • Access to multiple discounts.

    Learn more about the discounts available to you and your practice.

Get your free quote and bind coverage all in the same day.

Requesting your free Texas medical malpractice insurance quote today can save you up to 40% on premiums. From Anesthesiology in Dallas to Urology in Houston; eQuoteMD™ has cost effective solutions available for doctors practicing in the “Lone Star State”.

Summary of Texas Medical Malpractice Insurance

State of TexasTexas is seen as one of the nation’s leaders when it comes to medical liability tort reform. In 2003, the State's residents passed by popular vote the constitutional amendment to allow for caps on non-economic damages among other reforms. While several other states have found their caps on damages to be declared unconstitutional, most recently Missouri (2012), Illinois (2010), and Georgia (2010), Texas physicians and healthcare facilities are better protected by the inherent constitutionality of their damage caps.

These tort reform measures and the relatively “healthcare-friendly” court system have helped malpractice insurance rates remain low and even continue their decline—effectively making Texas one of the most cost-effective states in which to practice and purchase this important malpractice insurance coverage. We’ve seen at least one Texas physician insurer reduce their rates by 5-12% every year since tort reform was enacted.

In a further effort to reduce frivolous lawsuits, in May 2011 Texas Gov. Rick Perry signed into law a bill that will begin a “loser pays” system in Texas courts. Essentially, some plaintiffs who lose a case will have to pay the court and attorney fees of the defendants. This law will also allow civil actions to be expedited for those plaintiffs seeking less than $100k.

Statute of Limitations

In Texas the statute of limitation for a medical malpractice case is 2 years from the date of incident. However, there may be exceptions to this rule as in the case of minors. Liability Limits

The minimum liability limit for medical malpractice insurance in Texas is $200,000 per occurrence and $600,000 aggregate per policy period (1 year). This limit is fairly standard in Texas but many other states require $1M/$3M limits. The arguments for lower limits are that the damage caps keep payouts low and that, in the case of a lawsuit, attorneys will only go after the amount of the policy limit. So a low limit keeps awards low.

What Are the Different Types of Companies in Texas?

There are now over 40 insurance companies writing medical malpractice insurance for health care providers and facilities in Texas. This makes Texas one of the most competitive states in which to purchase malpractice insurance. The increased competition is a great reason to shop for alternate coverage options and savings using eQuoteMD.com as the insurers are dropping prices as they look to obtain as much market share as possible.

The Texas Department of Insurance identifies four different types of companies for medical malpractice insurance coverage to healthcare providers in the state.

  1. Licensed Insurance Companies
    Theses companies are regulated by the Texas Department of Insurance. Their policies must include the following mandated provisions:
    • Coverage may not be cancelled by the insurer after 90 days from the effective date of the policy.
    • Minimum 90 days notice of non-renewal or premium increase, including written reasons for such action.
    • No surcharge for claims may be assessed unless the claims have been paid.
    • Claims-made policies must include tail coverage provisions.

    Healthcare providers insured by a licensed insurance company are protected by the Texas Property and Casualty Insurance Guaranty Association (TPCIGA) for up to $300,000 if their carrier becomes insolvent.

  2. Legislatively Created Companies
    • Texas Medical Liability Insurance Underwriting Association (JUA)
    • Texas Medical Liability Trust (TMLT)
    • Medical Professional Liability Fund for State Higher Education Systems
  3. Surplus Lines or Excess Market Carriers
  4. Risk Retention Groups (RRG) or Risk Purchasing Groups

Texas Tort Reform Summary

  • $250,000 non-economic damage cap for doctors and other healthcare providers
  • Wrongful death actions carry a damage limit of $500,000
  • The limits are to be adjusted for inflation

← Back to State Resource Center

We Provide Medical Malpractice Insurance to These Counties

Anderson

Andrews

Angelina

Aransas

Archer

Armstrong

Atascosa

Austin

Bailey

Bandera

Bastrop

Baylor

Bee

Bell

Bexar

Blanco

Borden

Bosque

Bowie

Brazoria

Brazos

Brewster

Briscoe

Brooks

Brown

Burleson

Burnet

Caldwell

Calhoun

Callahan

Cameron

Camp

Carson

Cass

Castro

Chambers

Cherokee

Childress

Clay

Cochran

Coke

Coleman

Collin

Collingsworth

Colorado

Comal

Comanche

Concho

Cooke

Coryell

Cottle

Crane

Crockett

Crosby

Culberson

Dallam

Dallas

Dawson

Deaf Smith

Delta

Denton

DeWitt

Dickens

Dimmit

Donley

Duval

Eastland

Ector

Edwards

El Paso

Ellis

Erath

Falls

Fannin

Fayette

Fisher

Floyd

Foard

Fort Bend

Franklin

Freestone

Frio

Gaines

Galveston

Garza

Gillespie

Glasscock

Goliad

Gonzales

Gray

Grayson

Gregg

Grimes

Guadalupe

Hale

Hall

Hamilton

Hansford

Hardeman

Hardin

Harris

Harrison

Hartley

Haskell

Hays

Hemphill

Henderson

Hidalgo

Hill

Hockley

Hood

Hopkins

Houston

Howard

Hudspeth

Hunt

Hutchinson

Irion

Jack

Jackson

Jasper

Jeff Davis

Jefferson

Jim Hogg

Jim Wells

Johnson

Jones

Karnes

Kaufman

Kendall

Kenedy

Kent

Kerr

Kimble

King

Kinney

Kleberg

Knox

La Salle

Lamar

Lamb

Lampasas

Lavaca

Lee

Leon

Liberty

Limestone

Lipscomb

Live Oak

Llano

Loving

Lubbock

Lynn

Madison

Marion

Martin

Mason

Matagorda

Maverick

McCulloch

McLennan

McMullen

Medina

Menard

Midland

Milam

Mills

Mitchell

Montague

Montgomery

Moore

Morris

Motley

Nacogdoches

Navarro

Newton

Nolan

Nueces

Ochiltree

Oldham

Orange

Palo Pinto

Panola

Parker

Parmer

Pecos

Polk

Potter

Presidio

Rains

Randall

Reagan

Real

Red River

Reeves

Refugio

Roberts

Robertson

Rockwall

Runnels

Rusk

Sabine

San Augustine

San Jacinto

San Patricio

San Saba

Schleicher

Scurry

Shackelford

Shelby

Sherman

Smith

Somervell

Starr

Stephens

Sterling

Stonewall

Sutton

Swisher

Tarrant

Taylor

Terrell

Terry

Throckmorton

Titus

Tom Green

Travis

Trinity

Tyler

Upshur

Upton

Uvalde

Val Verde

Van Zandt

Victoria

Walker

Waller

Ward

Washington

Webb

Wharton

Wheeler

Wichita

Wilbarger

Willacy

Williamson

Wilson

Winkler

Wise

Wood

Yoakum

Young

Zapata

Zavala