Many states require physicians to maintain up-to-date malpractice coverage to practice in hospitals and other medical facilities. While Texas does not require this coverage, medical facilities may consider malpractice insurance a condition of employment.
The premiums for medical malpractice insurance typically depend on the physician's specialization and location rather than their claims history. Even if a physician has never been involved in a lawsuit, they may still be subject to high malpractice insurance premiums. Several factors may contribute to high premiums, including the required coverage amount, severity and frequency of claims, practice location and local laws and regulations.