Top 5 Malpractice Insurance Carriers in Texas
We recommend carriers with an AM Best “A” or higher rating. An A-rating indicates financial strength, long-term solvency, and an established history of protecting Texas physicians.
2025 Texas Malpractice Insurance Rates by Specialty
These rate estimates are for informational purposes only and are based on the TX standard limits of $1,000,000 for Each Claim / $3,000,000 Aggregate per year in coverage.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
| Specialty | 2025 Annual Premium |
2025 Tail Premium |
|---|---|---|
| Anesthesiology | $18,000 | $36,000 |
| Cardiovascular Disease– Minor Surgery | $16,000 | $32,000 |
| Dermatology– No Surgery | $8,000 | $16,000 |
| Emergency Medicine | $28,000 | $56,000 |
| Family Practice– No Surgery | $10,000 | $20,000 |
| Gastroenterology– No Surgery | $12,000 | $24,000 |
| General Practice– No Surgery | $10,000 | $20,000 |
| General Surgery | $42,000 | $84,000 |
| Internal Medicine– No Surgery | $10,000 | $20,000 |
| Neurology– No Surgery | $11,000 | $22,000 |
| Obstetrics and Gynecology– Major Surgery | $55,000 | $110,000 |
| Occupational Medicine | $7,000 | $14,000 |
| Ophthalmology– No Surgery | $7,000 | $14,000 |
| Orthopedic Surgery– No Spine | $37,000 | $74,000 |
| Pathology– No Surgery | $8,000 | $16,000 |
| Pediatrics– No Surgery | $10,000 | $20,000 |
| Pulmonary Disease– No Surgery | $16,000 | $32,000 |
| Psychiatry | $7,000 | $14,000 |
| Radiology – Diagnostic | $21,000 | $42,000 |
Texas Medical Malpractice Payouts From 2015-2023
Rising Home Insurance Rates: The Collateral Impact on Medical Malpractice Rates
When tornadoes, hurricanes, or other severe weather strike Texas, the devastation goes beyond destruction and emotional distress. Natural disasters disrupt the entire insurance industry, driving up rates across all sectors as insurers adjust to the rising risks of weather-related catastrophes statewide and nationally.
Why Are Insurance Rates Rising?
How Medical Malpractice Insurance Is Affected
Reinsurance providers now charge higher premiums and impose stricter payout conditions. Insurance carriers pass these costs onto policyholders, driving up medical malpractice premiums for healthcare providers in Texas.
Severe weather isn’t a state-specific problem—it’s reshaping insurance costs nationwide.
Types of Professional Liability Insurance for Texas Physicians
Types of Professional Liability Insurance for Texas Physicians
Physicians in Texas can choose between these two primary types of medical malpractice insurance:
- Provides coverage for incidents that occurred during the policy period IF the claim is filed while the policy is still active. If a claim is filed after the policy ends, that claim is NOT covered.
- Typically, it offers lower premiums at the start of the policy, but rates increase yearly as the policy matures.
- Physicians must obtain tail insurance coverage when a claims-made policy ends to ensure protection against future claims related to incidents that occurred during the policy period. Tail insurance premiums require a one-time cash payment equal to approximately 200% of the claims-made policy’s annual premium.
- Provides coverage for incidents that occurred during the policy period, regardless of when a claim is reported to the carrier.
- Typically, it offers more costly premiums at the start of the policy, but the rate stays constant throughout the policy’s duration.
- Physicians do not need tail coverage when an occurrence policy ends.
In 2023, Texas physicians were held liable for 429 medical malpractice payouts.
- Average Payout: $245,924
- Total Payout: $105,501,700
(Source: National Practitioner Data Bank)
Does Texas Have Damage Caps for Medical Malpractice Lawsuits?
In 2003, Texas tort reform capped non-economic medical malpractice damages for pain and suffering as follows:
- $250,000 per doctor
- $250,000 per individual healthcare facility
- $500,000 maximum for multiple facilities (per plaintiff)
In Texas, there is no compensation cap for economic damages, which can include:
- Medical costs
- Lost wages
- Lost earning capacity
Texas Statute of Limitations for Medical Malpractice Claims
Healthcare liability claims must be filed within two years of the incident or completion of treatment, except for minors under 12, who may submit a claim up until their 14th birthday.
Other exceptions may include:
- Delayed discovery of injury or negligence
- Fraudulent concealment by the defendant
The statute of repose for medical malpractice lawsuits in Texas is 10 years, meaning that, regardless of when the injury is discovered, a lawsuit cannot be filed more than 10 years after the treatment date.
Why Texas Doctors Partner with MEDPLI
We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors.
With MEDPLI, Texas physicians:
MEDPLI helps doctors in every specialty.
Whether you’re a dermatologist in Austin or an ER doctor in Odessa, MEDPLI will provide you with premier coverage at a competitive rate.
Call 800-969-1339 or Request a Quote.
