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Joining TMLT

Who needs malpractice insurance?

Most health care professionals — including nurses, nurse midwives, advanced practice nurses, CRNAs, physician assistants, physicians, dentists, and podiatrists — are required to have malpractice insurance, either as a part of their employment or to maintain privileges or payer contracts.

How do I obtain a quote?

You can request a quote from the TMLT website or you can contact a sales representative by calling 800-580-8658. You can also email

How do I apply for coverage?

You can apply for coverage using our online application.  A representative from TMLT will contact you once your application has been received.

Why do I have to be a member of the Texas Medical Association to purchase TMLT coverage?

TMLT was created by the Texas legislature in 1979 to provide medical liability coverage for physician members of the Texas Medical Association. The legislation that created TMLT included the provision that policyholders must be members of the TMA. Therefore, by law, policyholders must also be members of the TMA.

How long does it take to process an application?

The average time to process an application is approximately 10 business days. Please make sure that your application is filled out completely, as incomplete information may delay the underwriting process.

When does my coverage start?

For coverage to begin, we must have confirmation of pending TMA membership and your completed application underwritten and approved. You must also provide a current CV and proof of any previous or current medical liability coverage.

Are my ancillary staff (nurses, medical assistants, technicians) covered under my TMLT liability policy?

TMLT policies do not cover ancillary staff. However, if the physician is named in a claim or a lawsuit due to the actions of a staff member for whom the physician may be considered "legally responsible," coverage may be provided for the physician. Please be aware that coverage for a claim is ultimately determined after a thorough investigation by the TMLT Claims Operations Department.

Ancillary staff working with TMLT policyholders can obtain medical liability coverage through Texas Medical Insurance Company, our subsidiary.

Does my TMLT policy cover me for my activities as a medical director?

Yes, all TMLT policies include coverage for your administrative activities as a medical director. This coverage is at a sublimit of $100,000 of your existing policy limit. You may contact TMLT at 800-580-8658 to decline this coverage.

How much does medical malpractice insurance cost?

Your insurance premium is based on your location, specialty, procedures performed, the limits of liability that you choose, the number of years of you've been in practice, and your claims experience.

What limits of liability do you recommend? How much malpractice insurance do I need?

We cannot advise you about what limits to carry, but we recommend that you speak with colleagues who practice in your specialty and location to see what limits of liability they carry. You may also contact your local county medical society; often their legal counsel is available to advise you. Your personal financial advisor may also have recommendations in consideration of your personal assets.