Types of Coverage

Medical liability coverage for:
Physicians
Residents
First-year physicians
Other health care professionals
Other insurance products

Physicians
Claims-made
A claims-made policy only covers events that occur during the policy period. When a claims-made policy is cancelled, there is no more coverage under that policy. Physicians who wish to continue coverage under a claims-made policy must purchase supplemental coverage, such as tail coverage or prior acts coverage. If neither tail coverage nor prior acts coverage are purchased when a claims-made policy is cancelled, any future claims that might arise from services performed during the policy period will not be covered.

Occurrence
An occurrence policy provides permanent insurance coverage for events that occur during the policy period, even if they are reported after the policy expires or is discontinued. Due to the permanent nature of the coverage, an occurrence policy is generally more expensive than a claims-made policy.

Tail coverage
Tail coverage, also called a Reporting Endorsement, allows you to continue to report claims under the claims-made policy, as long as the claim occurred during the policy period. Tail coverage is purchased from the original carrier when physicians change insurance carriers.

Prior acts coverage
Prior acts coverage, which is purchased from the new insurance carrier, covers incidents that occurred under the previous claims-made policy. If new claims arise that occurred during the prior acts period, they may be reported to the new carrier.

Residents
Moonlighting
If you choose to moonlight outside your training program, protect yourself with TMLT’s medical liability coverage for moonlighting physicians. Our moonlighting program offers you premium discounts on non-assessable claims-made policies.

Moonlighting Application
Subscription Agreement

First-year physicians
Rising star
If you are establishing your first practice after completing your residency, enjoy the financial benefit of first- and second-year premium discounts with TMLT. TMLT offers a wide range of liability limits, non-assessable claims-made and occurrence policies.

TMLT Individual Physician Application for Coverage

Other health care professionals
Medical liability for health care professionals
Professional medical personnel can enjoy the security of affordable, quality medical liability coverage offered through TMLT’s wholly-owned subsidiary, Texas Medical Insurance Company. This coverage can be purchased at a variety of limits for ancillary staff, including: physician assistants; nurses; nurse midwives; nurse practitioners; CRNAs; technicians; therapists; chiropractors and podiatrists.

TMLT and TMIC are allied companies, committed to serving your best interests. As TMIC policyholders, ancillary staff will enjoy the same commitment to service physicians have experienced as TMLT policyholders. Please visit the TMIC web site to apply.