In 1979, the Texas Medical Association established TMLT to provide affordable, reliable coverage against medical liability claims for its members. TMLT is not an insurance company, but a self-insured trust led by a Board of Governors who are elected by TMLT policyholders. Members of the Board of Governors are physicians who draw on their experience to help guide operations.
Today, TMLT has more than 20,000 policyholders and covers more physicians in Texas than our five largest competitors combined. We provide the best protection and benefits, including a strong claim defense, customized risk management, and enhanced policy features.
We offer the following coverage types: claims made policy; occurrence policy; per patient policy; Medefense; cyber liability; employment practices liability insurance (EPLI); medical director; Moonlighting; tail coverage; prior acts coverage; premises liability; and locum tenens.
- Policies are available at a variety of limits for physicians and health care organizations. No matter what your specialty, practice type, or location, we can customize our medical liability insurance to protect you. Get a quote.
Our physician board and in-house risk management, claim, and underwriting staff work together to serve and support policyholders. Because we are a Trust, our model is designed to reward policyholders, not stockholders.
- We give back to our policyholders through discounts, rate reductions, dividends, and our Trust Rewards program.
- We helped achieve tort reform in Texas in 2003, which resulted in premium savings, reduced litigation, more physicians in Texas, and increased patient safety.
- Our advocacy has not stopped with the passage of tort reform. We continue to fight for physicians, helping relieve the burden of legislative and regulatory compliance issues.
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.
- CME course options include home-study programs, online courses, video courses, seminars, and workshops.
- During a practice review, a risk management professional visits the practice to determine risk exposures. These reviews are free to all policyholders and can be completed without disrupting patient appointments.