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How Much Is Medical Malpractice Insurance in Texas?
How Much is Medical Malpractice Insurance in Florida By Specialty?
These rate estimates are for informational purposes only and are based on the Texas standard limits of $1,000,000 per claim and $3,000,000 aggregate per year.
Quotes require a completed application and underwriter approval. Contact us for a custom estimate if you don’t see your specialty.
Average Annual Premiums for Medical Malpractice Insurance
in Texas by Specialty
(2026 data, $1M/$3M coverage)
| Specialty | 2026 Annual Premium |
2026 Tail Premium |
|---|---|---|
| Anesthesiology | $18,360 | $36,720 |
| Cardiovascular Disease– Minor Surgery | $16,320 | $32,640 |
| Dermatology– No Surgery | $8,160 | $16,320 |
| Emergency Medicine | $28,560 | $57,120 |
| Family Practice– No Surgery | $10,200 | $20,400 |
| Gastroenterology– No Surgery | $12,240 | $24,480 |
| General Practice– No Surgery | $10,200 | $20,400 |
| General Surgery | $42,840 | $85,680 |
| Internal Medicine– No Surgery | $10,200 | $20,400 |
| Neurology– No Surgery | $11,220 | $22,440 |
| Obstetrics and Gynecology– Major Surgery | $56,100 | $112,200 |
| Occupational Medicine | $7,140 | $14,280 |
| Ophthalmology– No Surgery | $7,140 | $14,280 |
| Orthopedic Surgery– No Spine | $37,740 | $75,480 |
| Pathology– No Surgery | $8,160 | $16,320 |
| Pediatrics– No Surgery | $10,200 | $20,400 |
| Pulmonary Disease– No Surgery | $16,320 | $32,640 |
| Psychiatry | $7,140 | $14,280 |
| Radiology – Diagnostic | $21,630 | $42,840 |
*Note: These rates are approximate, and each individual has unique factors that can affect their premium.
Have a question? Get fast answers from a U.S.-based MEDPLI agent. Call 1-800-969-1339 or email info@medpli.com.
Average Medical Malpractice Payouts in Texas From 2015-2024
IIn 2024, Texas physicians were held liable for 643 medical malpractice payouts.
- Average Payout: $235,037
- Total Payout: $151,129,050
(Source: National Practitioner Data Bank)
Types of Professional Liability Insurance in Texas for Physicians
Texas doctors and surgeons 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 higher premiums at the start of the policy, but the rate remains constant throughout the policy’s duration.
- Physicians do not need tail coverage when an occurrence policy ends.
Rising Home Insurance Rates: The Collateral Impact on Medical Insurance Rates in Texas
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 nationwide.
Why Are Insurance Malpractice Rates Going Up?
How has Medical Malpractice Insurance Been 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.
Does Texas Have Medical Malpractice Damage Caps?
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
What are the Statute of Limitations in Texas for Medical Malpractice?
Healthcare liability claims must be filed within 2 years of the incident or the completion of treatment, except for minors under 12, who may submit a claim 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 a lawsuit cannot be filed more than 10 years after the treatment date, regardless of when the injury is discovered.
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About the Author
Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior.
Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance.
Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. For malpractice insurance questions, you can contact Max here.
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