Products Overview

• Medical professional liability insurance coverage for physicians and other individual health care providers can be written on primary occurence, primary claims made, excess occurence, and excess claims made basis
• Medical professional liability Insurance coverage for hospitals can be written on primary occurence, excess occurence, and excess claims made basis
• Medical professional liability Insurance coverage for nursing homes and assisted living facilities can only be written on a primary claims made basis
• General liability coverage can be written on an occurence basis to nursing home and assisted living facilities policyholders
• Excess medical professional liability insurance can be written only over a primary policy written by a JUA member company
• Volunteer healthcare provider defense cost only coverage, only primary occurence coverage is available
• Indefinite extended reporting endorsement (tail coverage) is available on all claims made policies, except policies cancelled for non-payment
• Minimum limits of liability are $100,000 each occurrence and $300,000 annual aggregate
• Maximum limits of liability are $1,000,000 each occurrence and $3,000,000 annual aggregate
• No deductible options available on any policy
• Defense costs in addition to policy limit
• Named insured consent to settle
• Risk management services available

Is coverage available outside of Texas?

No, the JUA policy coverage is limited to the State of Texas.

Who is eligible for coverage?

The JUA offers medical professional liability insurance as the insurer of last resort. Eligible health care providers and facilities are determined by the Texas Department of Insurance and are subject to change. Currently, the following are eligible for coverage: physicians, surgeons, podiatrists, dentists, registered nurses, nurse practitioners, CRNAs, nurse midwives, hospitals, nursing homes, and assisted living facilities.

How can I obtain a quote and what will the quote be based on?

Applications completed in detail must be submitted along with all additional information as requested. Actual premiums are based upon information contained in the application and any other correspondence submitted.

How can I obtain an application form?

Refer to the Applications tab.

Who can submit an application form?

You can submit your completed application directly to the Underwriting Manager or utilize your personal insurance agent.

Why does the first question on the application ask about rejecting companies?

The JUA was established as a temporary solution for health care providers who are unable to obtain coverage in the standard insurance market. You become eligible for coverage through the JUA only when two insurers in the admitted market have rejected your application or coverage. These rejections must be evidenced only by copies of valid notifications from the carriers and must be submitted with the completed application.

If I currently have coverage with the JUA and need to renew that coverage, do I still need rejecting companies?

Yes, every time you apply with the JUA, two new rejections by carriers licensed and engaged in writing in Texas the coverage applied for must be obtained.

When can coverage be effective?

The earliest possible date for new coverage to be bound is the day after receipt in our office of the completed application along with a cashier’s check, bank draft, or postal money order in the amount of a least the minimum deposit and all required information. If you are renewing your policy, the completed application, payment for the full amount quoted, and all mandatory information must be received in our office prior to the expiration date of your current policy. The complete submission will be automatically returned if all mandatory items are not received, late receipt of the application and appropriate check will cause a gap in coverage.

Payment of premium must be made by cashier's check and must accompany the application. Other forms of payment, including personal checks, agency checks, ACH, or electronic fund transfers can not be accepted.

When do I send in the premium payment?

A cashier’s check, bank draft, or money order in the amount of at least the deposit must be submitted before coverage can be bound. If the full amount of the premium is not submitted before binding, the remainder of the premium must be paid within 20 days after the issuance of the policy. If you have current coverage with the JUA and need to renew your coverage, the full amount of the premium quoted must be submitted in the form of a cashier’s check, bank draft, or postal money order prior to the expiration of your current coverage.

You may submit your completed application form and application attachments by USPS or any other mail service you prefer to the address at the top of the application form or by email attachment to the JUA Underwriting Manager. Also, for other application forms as discussed under the Products tab of the website or for questions, please contact the Underwriting Manager.

APPLICATION for Medical (Professional) Liability Insurance for Physicians and other Non-Institutional Health Care Providers

 Physicans Application PDF Attachment

APPLICATION only for retired Physicians providing volunteer healthcare at a charitable institution in Texas as defined in Chapter 84 of the Civil Practice and Remedies Codes

 Legal Defense Cost Only PDF Attachment

SUPPLEMENT to application for Physicians and other Non-Institutional Health Care Providers Medical (Professional) Liability Insurance

 Prior Acts Coverage Supplement PDF Attachment

 Excess Medical Professional Liability Insurance PDF Attachment

Risk Management Overview

Risk management skills or programs are essential to the delivery of quality patient care.  The goal of a risk management or loss control program is to improve patient safety and decrease potential liability exposure.  The risk management team will provide policyholders with strategies, solutions, and training programs to help control risk. The JUA offers these services to all our policyholders, concentrating on the traditional areas of risk reduction.  Policyholders may be subjected to an on-site practice review due to regulatory requirements.

Risk Management Programs for Physicians and other Individual Healthcare providers

The JUA has contracted with the Texas Medical Liability Trust (TMLT) to provide risk management services to our policyholders. Services available include:

• Practice reviews
• Phone access to risk management professionals
• Continuing education courses
• Publications that discuss risk management issues

Risk Management/Loss Control Services for Hospitals and other Institutional Healthcare providers

The JUA contracts with the Texas Hospital Insurance Exchange (THIE) to provide all risk management/loss control services on our behalf.

Services available include:

• On site surveys
• Phone access to risk management professionals
• Analysis of accident causes
• Training programs

For more details you may contact the JUA Underwriting Manager. You may also directly contact the risk management departments at the Texas Medical Liability Trust or the Texas Hospital Insurance Exchange for further information.