At Texas Insurance Agency, our Houston TX Medical Liability Insurance plans are crucial to physicians in Texas who are eager to resolve matters concerning injuries or death a patient may have sustained.
Introducing Medical Liability
When a medical professional takes an individual on as their patient, they’re taking an oath to assess their medical needs.
Many would say that they took an oath before their career even began. Prior to their career in health care, each medical physician powers through rigorous training and schooling to learn all there is to know about a person’s injuries and sickness.
However, there can be times when accidents occur. Although these actions may not be intentional, the lawsuits against health care physicians are likely to claim otherwise. Their claims will also state that not only did the physical fail to provide adequate care, but that their performance directly caused the injury.
This action is called medical malpractice. In medicine and hospital care, this is defined as an injury caused to a patient. The injury can be classified as a negligent act or omission.
This is especially true when medical malpractice causes another person’s death. These claims are by no means a welcome experience, which is why Texas Insurance Agency offers a Houston TX Medical Liability Insurance plan to assist health care providers to protect your practice against these claims.
Understanding Medical Liability
If a patient feels that they are a victim of medical malpractice while under your care, you must at that very moment remain calm and consider all the options that available to protect you.
Our Houston TX Medical Liability Insurance at Texas Insurance Agency supports medical practitioners during trying times. Let us help you today!
Other insurance carriers simply like to create a blanket assessment for all of their medical liability insurance inquiries.
This usually leads to issues with their client’s coverage. Texas Insurance Agency works with you to create a custom medical liability claim for you. We take the extra steps necessary to get you strong coverage.
At its core, the Houston TX Medical Liability Insurance can cover all legal fees accrued from malpractice lawsuits. Medical liability is similar to professional liability, which is used by non-medical individuals and contractors.
When Medical Liability Insurance Matters
Patients will likely claim losses that can cover them for physical rehabilitation to funeral-related finances. To do this, they must prove that medical negligence occurred out in court.
However, the lawsuits are most likely not as black and white as it seems. While other insurance companies fail to have this foresight, Texas Insurance Agency is prepared. Medical liability insurance is a big necessity because Texas requires it by law.
Our agency puts in plenty of hours to consider all possible scenarios in your profession. We take what we learn and deliver coverage that meets the needs of medical industry standards. Many medical facilities and practitioners simply have this on hand, as it serves as their go-to safety net.
When it comes to standing your ground against these claims, your Houston TX Medical Liability Coverage can be custom-made to fit the timeline in which the supposed malpractice occurred. These custom liability claims refer to tail coverage, claims-made coverage, and prior acts coverage.
All About Claims-Made Coverage
Claims-made policies often refer to coverage for claims made against it. This usually refers to any claims that a patient will make in regards to malpractice cases as they happen.
Our agents can add a claims-made policy to your Houston TX Medical Liability Insurance. For extra protection, get a quote by calling our office.
The coverage is only applicable to the case so long as the policy remains active during the filed lawsuit.
If you’re looking to solidify coverage for claims made on inactive policies, you should carry claims-made coverage in their medical liability insurance.
With Texas Insurance Agency, we can add this feature to your policy so that you’re within the timeframe.
Claims made coverage comes in two forms: prior acts and tail. Both serve the same purpose in regards to coverage, but what makes them different is when the coverage can be used.
These additions separate our Houston TX Medical Liability Insurance policies from others.
Prior Acts Vs Tail Coverage
It’s not uncommon for several malpractice lawsuits to come about a year or two after the supposed act took place.
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After all, claimants will often say that their delay was due to recovery, which forced them to choose a later date to engage in legal matters.
When this happens, a prior act coverage is necessary to use. The coverage is useful especially useful if any incidents arose before your claims-made policy is active.
Your medical liability insurance protects you from any claims of malpractice.
In the case of prior acts, the time in which the patient files the suit and whether or not the supposed act occurred during your coverage are all factors you need to consider.
However, with Texas Insurance Agency on your side, you can alleviate the need to worry about the timing. Our team of expert agents is happy to customize a prior acts package to go along with your medical liability insurance.
The claims-made policy of your medical liability insurance happens to expire, your tails coverage is sure to provide a remedy. Specifically, a tail coverage prolongs coverage alongside supposed acts that occurred. This is useful for Houston medical practitioners who need an extension on their expired policy
Texas Insurance Agency goes above and beyond to make sure that these policy customizations work with one another.
We Work To Protect You
Having Texas Insurance Agency on your side during these serious suits means knowing that you’re getting the best protection possible. Your care for your patients is important to how you conduct your medical practice.
With that in mind, our agency does the absolute best to ensure that you continue providing medical care. You can choose the right policies designed to serve your purpose.
If you’re interested in learning more about how our medical liability insurance packages can help keep your medical practice safe in the event of malpractice suits, please call our offices at (281) 993-8384.
Our agents have years of expertise in insurance policies. We provide the best Houston TX Medical Liability Insurance that many of our clients in the medical field count on.
Fun Facts About Houston, TX
- From 1837 to 1839, Houston was the capital of Texas.
- Galleria is the largest shopping mall in Texas.
- The Texas Medical Center in Houston is the largest medical institution in the world.
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