Core coverages in this program
- •Medical Professional Liability (malpractice)
- •General Liability & Business Property
- •Cyber Liability with HIPAA Breach Response
- •Workers' Compensation
- •Employment Practices Liability (EPLI)
- •Regulatory Billing Errors / Medicare Defense
Texas requirements for medical office businesses
The Texas Medical Board licenses physicians, and Texas caps non-economic damages in medical liability claims at $250,000 against physicians under Chapter 74 — one reason Texas malpractice pricing is comparatively stable. Hospitals and payers still require $200K/$600K minimums, commonly $1M/$3M.
Workers' compensation in Texas
Texas is the only state where private workers' compensation is optional. Going bare as a 'non-subscriber' removes the exclusive-remedy protection, which is why nearly every general contractor, landlord, and municipality requires subscription anyway. Rates are developed through TDI-approved carriers using NCCI class codes, and medical office payroll typically rates at $0.60 to $2.50 per $100 of payroll for physician office and outpatient clinic class codes. Non-subscriber status must be reported to the Texas Department of Insurance annually and posted for employees. Most contracts override the choice — read the insurance exhibit before deciding to opt out.
What Texas operators actually pay in 2026
The ranges below reflect what KTL clients in Texas pay today for a small-to-midsize operation, adjusted for Texas rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical TX annual cost |
|---|---|---|
| Medical Professional Liability | Per provider, primary care / outpatient | $3,400 – $15,300 |
| General Liability & Property | Office premises and equipment | $750 – $3,000 |
| Cyber / HIPAA Breach | PHI breach notification and defense | $1,000 – $4,250 |
| EPLI | Clinical and admin staff claims | $1,000 – $3,550 |
| Billing Errors Defense | Medicare/Medicaid audit and defense | $750 – $2,700 |
The Texas angle most brokers miss
Texas damage caps make the malpractice line more predictable, so cyber and billing-audit exposure often deserve more attention than incremental malpractice limits.
Exposures we underwrite for Texas accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Malpractice allegations from diagnosis or treatment decisions
- •PHI breach through email, EHR, or a lost device
- •Billing and coding errors triggering payer audits
- •Employment claims from clinical and administrative staff
- •Patient injury on premises or during in-office procedures
Where we write in Texas
We serve Texas clients remotely by phone, email, and video — no office visit required — with concentrations in Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.