Bosworth & Associates 1818 W SW Loop 323 Tyler, TX 75701
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Medical malpractice insurance (or professional liability coverage) protects you when a patient claims you made an error, whether it’s a misdiagnosis, a treatment issue, a surgical mistake, or something else. It can help cover attorney fees, settlements, and court costs.
In Texas, not every healthcare worker has to carry malpractice insurance by law. But if you want privileges at a hospital or clinic, they’ll almost always require proof of coverage. And honestly, even one lawsuit, justified or not, can be financially devastating without it.
Malpractice claims in Texas haven’t disappeared. They just don’t make headlines as often anymore. But thousands still happen every year, and defense costs alone can reach six figures. Having the right coverage in place means you won’t be left trying to handle that on your own.
Every healthcare role comes with different exposures. We tailor policies around your specialty so you’re not paying for coverage you don’t need.
You’ll usually choose between two kinds of malpractice policies. Here’s the quick version:
Occurrence-Based Policies
These cover any incident that happens during the policy period, no matter when the claim comes in.
If you treated a patient in 2024 and they file a claim in 2027, you’re still covered.
Claims-Made Policies
These only apply if the claim is filed while the policy is active.
They’re cheaper upfront, but you’ll need “tail coverage” when you retire or switch carriers, so you’re not left exposed later.
– We’re independent, so we can compare multiple carriers for better rates.
– We have decades of experience working with doctors, clinics, and healthcare professionals in East Texas.
– We’re local, which means when you call, you get an actual person who knows your name and your policy.
– We focus on long-term relationships, not one-time sales.
– And if you ever face a claim, we’ll walk through the process with you, not hand you off to a 1-800 number.
Call us, send a message, or stop by the office.
Your specialty, claims history, and goals.
We’ll show you options and explain what’s what.
– What does medical malpractice insurance cover?
It helps cover legal defense, settlements, and judgments from claims of negligence or medical errors.
– Is it required in Texas?
Not by state law for everyone, but most facilities require it before granting privileges.
– Does it cover my staff?
It can. Many policies include certain employees or allow you to add them on.
– What if my employer already provides coverage?
That policy may not follow you if you change jobs or open a clinic. Having your own plan gives you more security and flexibility.
– What’s the difference between policy types?
Occurrence-based covers when the incident happened. Claims-made covers when it’s reported. The right choice depends on your practice and plans.
Bosworth & Associates proudly serves medical professionals throughout Tyler, Longview, Lindale, Kilgore, Jacksonville, and nearby areas. We live and work in the same communities you do. So, when you call, you’re not talking to a stranger in another state.
If you’re ready to protect your career and reputation with the right medical malpractice coverage, we’re here to help. Give us a call or send a quick message, and we’ll walk you through the options step by step.
