Medical Malpractice Insurance in Dallas, TX

a lady with Medical Malpractice Insurance

You’ve got patients to care for - and no time for confusing malpractice fine print. If you’re a physician, clinic, or group practice in Dallas, medical malpractice insurance, also called medical professional liability, helps protect you when an allegation turns into a claim.

We’ve been helping to protect Dallas for over 28 years. As a local independent agency that partners with 80+ carriers, we help you compare options, understand what you’re buying, and get coverage that fits how you actually practice.

Need proof of coverage fast? We can help with COIs for credentialing, contracts, and facility requirements. Call 972.991.9100 or request a quote.

 

What does malpractice insurance cover?

While every carrier’s wording is different, malpractice insurance is generally designed to help with:

  • Legal defense costs (often the biggest driver of value)

  • Settlements or judgments (up to your limits)

  • Allegations tied to professional services (diagnosis, treatment, prescribing, referrals, etc.)

What it usually does not cover

These are commonly handled by other policies:

  • Slip-and-fall / premises injuries (General Liability)

  • Employee lawsuits (EPLI)

  • Data breach / ransomware / patient info exposure (Cyber Liability)

  • Building/contents losses (Commercial Property / BOP)

 

Medical malpractice vs medical liability vs medical professional liability

You’ll see a few phrases used interchangeably:

  • Medical malpractice insurance: coverage designed to respond to allegations of harm tied to professional medical services

  • Medical professional liability insurance: same idea, more insurance-industry wording

  • Medical liability insurance: broader phrasing some people use (can also refer to facility or business liability depending on context)

Bottom line: you want a policy written specifically for your professional services and your practice structure (solo, group, clinic/entity, employed physician, etc.).

 

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Claims-made vs occurrence 

This is one of the most important decisions in malpractice.

  • Occurrence

Occurrence coverage generally ties protection to when the incident happened during the policy period.

  • Claims-made

Claims-made coverage generally responds when a claim is made and reported while the policy is active (after the retroactive date). If you switch carriers, retire, close a clinic, or change jobs, you may need tail coverage (extended reporting) to protect prior work.

Plain-English takeaway: if it’s claims-made, you should always know your retroactive date, your tail plan, and what happens if you leave an employer/group. We’ll walk you through this so you’re not guessing.

 

Who needs medical malpractice insurance in Dallas?

If you provide medical care in Dallas, malpractice insurance is worth considering - and it’s often required for hospital privileges, payor contracts, employment agreements, or facility relationships.

This commonly includes:

  • Physicians (MD/DO)

  • Clinics and outpatient facilities

  • Group practices

  • Practices that need COIs for contracts or credentialing

 

What affects malpractice insurance cost in Dallas?

Pricing varies a lot by specialty and structure, but common drivers include:

  • Specialty / procedures performed

  • Patient volume

  • Prior claims history (if any)

  • Limits requested (often influenced by contracts/credentialing)

  • Claims-made vs occurrence

  • Entity structure (solo vs group vs clinic)

 

What we’ll ask you for (so your quote is fast)

If you want clean, comparable quotes quickly, we’ll typically request:

  • Practice structure (solo, group, entity)

  • Specialty and services/procedures

  • Provider list (MD/DO + NP/PA if applicable)

  • Locations (Dallas only vs multi-site)

  • Current policy declarations page (if you have it)

  • Claims history / loss runs (if applicable)

  • Contract requirements (limits, COI wording)

Our goal is a quote that holds up through underwriting - not a teaser number that changes later.

 

Most clinics also need…

Malpractice is often just one piece of a tight clinic protection plan. Depending on your operations, you may also want:

  • General Liability Insurance (premises + everyday business claims)

  • Cyber Liability (breach/ransomware costs, business interruption)

  • EPLI (employment-related claims)

  • Business Owner’s Policy (BOP)

  • Commercial Property

  • Umbrella coverage for higher limits

 

FAQs: Medical Malpractice Insurance Dallas, TX

  • Is malpractice insurance required in Texas?

Sometimes it’s required by an employer, hospital privileges process, or contract—even when it’s not explicitly mandated for every situation. Requirements vary by setting.

  • What limits should a Dallas clinic carry?

Many contracts reference common limit structures, but what you should carry depends on specialty, setting, and requirements. We’ll align limits to what you actually need.

  • Does malpractice insurance cover legal defense?

Often yes—defense is typically a major value driver. Coverage depends on policy wording and the allegation.

  • What is tail coverage?

Tail coverage extends reporting time on a claims-made policy after it ends—often relevant when you change carriers, retire, or leave a group.

  • Can I keep my retro date if I switch carriers?

Often you can, but it depends on underwriting and how the new carrier structures prior acts coverage.

  • Can you help with COIs and contract wording?

Yes. If you have a facility requirement, we’ll help you get COIs handled cleanly and quickly.

  • How fast can I get a malpractice quote?

Speed depends on specialty and underwriting, but we’ll tell you exactly what we need up front so you’re not stuck in back-and-forth.

 

If you want malpractice coverage that matches your practice (and doesn’t leave you guessing on claims-made vs occurrence), call us on 972.991.9100 or start your quote. 

 

Last Updated: 17th Januray, 2026.

Disclaimer: This information is provided for general educational purposes only and is not intended as legal advice or a complete description of coverage options. Terms, conditions, and availability vary by carrier and state. The Thumann Agency is licensed and operates in accordance with Texas Department of Insurance regulations.