top of page

Texas Medmal Insurance

Explore Your State's Medmal Insurance Resources










How can we help you

Thank you! Our team will contact you within 24 hours.

Texas Medmal Insurance Facts

Texas Medical Professional Liability Insurance Market Summary


If you're a physician in Texas seeking medical liability insurance, SelectFirstInsurance can guide you to numerous reputable insurers.
Leading companies in the region include:

  • ProAssurance

  • Medical Protective

  • The Doctors Company

  • Mag Mutual

  • State Volunteer Mutual Insurance Co.


Texas has a competitive medical professional liability insurance market with multiple insurance carriers offering coverage to healthcare providers. The state does not have a government-sponsored medical malpractice insurance program, and physicians, hospitals, and other healthcare entities typically obtain coverage from private insurers. Premium rates can vary based on factors such as specialty, claims history, and geographic location within Texas.

Medmal Insurance Requirements for Texas in 2023

Texas law does not mandate medical professional liability insurance coverage for healthcare providers as a requirement for medical licensure. However, healthcare facilities and hospitals may require physicians to have liability coverage as a condition of practicing within their institutions. Physicians often choose to maintain coverage voluntarily to protect themselves from potential malpractice claims.

Tort Reform in Texas

Texas has implemented significant tort reform measures related to medical malpractice. Notable among these is a cap on non-economic damages in medical malpractice cases, limiting the amount of compensation that can be awarded for pain and suffering. Texas also has a "certificate of merit" requirement, which mandates that plaintiffs provide an affidavit from a qualified expert attesting to the merit of their case before proceeding with a lawsuit.

Statute of Limitations for Medmal Claims

In Texas, the statute of limitations for filing a medical malpractice lawsuit is generally two years from the date when the alleged malpractice occurred or from the date when the injury was, or should have been, reasonably discovered. There is also a maximum statute of repose of ten years from the date of the alleged malpractice, which serves as an absolute deadline for filing a claim, regardless of when the injury was discovered. Exceptions may apply in cases involving minors or instances of fraudulent concealment.
*statute of limitations may vary depending on specialization. For additional information, please visit*

Disclaimer: The information provided above is for general informational purposes only. It  is not intended as legal, financial, or professional advice. By accessing this information, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this site from time to time.

For detailed information contact us and 

Why Partner With SelectFirst Insurance

When it comes to securing your medical malpractice insurance, partnering with the right provider is paramount. At SelectFirst Insurance, we understand the unique challenges and concerns that healthcare professionals face.

With over 30 years in the insurance Industry, at SelectFirst Insurance Services we cater to the unique insurance needs of our business clients. Instead of a one-size-fits-all approach, we customize the insurance products to meet your unique needs. We embrace a set of high-performance standards, ensuring your expectations will be exceeded. As a boutique insurance agency with access to over 65 insurance companies, our clients enjoy the special convenience of a personalized, highly skilled, innovative and performance driven team to handle your insurance needs. 

bottom of page