Medical liability coverage
for Texas physicians

Discounts

Experience discounts

We offer automatic premium discounts to policyholders with favorable claim experience. The discounts range from 3% to 20%, relative to the numbers of years you have been a TMLT policyholder.

Physicians applying for coverage with TMLT can qualify for a 5% discount at the time of application with documentation of 5 years of claim-free experience.

Part-time discounts

Physicians who work less than 30 hours per week are eligible for part-time discounts of up to 25% for non-surgical specialties and 15% for surgical specialties.

Risk management discounts

Risk management discounts are available to TMLT policyholders who participate in our programs.

CME seminars

Take a risk management CME course and earn a 3% discount (up to $1,000 per course). Take up to two courses per year. We offer online CME, home-study programs, and CME in the November-December issue of our publication, the Reporter. You can also attend one of our scheduled seminars or a seminar that we co-sponsor with the Texas Medical Association.

On-site risk management practice review

Physicians who complete a practice review are eligible for a 5% premium discount after review recommendations are met. This discount continues through the expiration of the current policy plus an additional two full policy periods.

The practice review is designed to assist you and your staff in determining your risk exposures. A risk management professional will visit your office to:

  • evaluate medical record documentation;
  • review practice policies and procedures;
  • tour the facility to evaluate patient safety processes; and
  • provide follow up with a confidential, written summary.

Practice reviews are free to all policyholders and can be completed without disrupting patient appointments.

If you have electronic medical records (EMR), talk to your risk management professional regarding eligibility for additional discounts.

Request a practice review

 


Learn more about TMLT's physician referral program. Click here > >

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