Where is the JUA located and how can I contact you?

The JUA office is located at:
505 East Huntland Drive, Suite 160
Austin, Texas 78752
Phone: 512-452-4370

Texas JUADirections


How can I obtain a quote?

Applications completed in detail must be submitted along with all additional information as requested on the applications.

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 must apply to and be rejected by at least two carriers licensed and engaged in writing the coverage applied for before you can apply for coverage with the JUA.

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

Yes, each and every time you apply or re-apply you must first apply to and be rejected by at least two carriers licensed and engaged in writing the coverage applied for.

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, a Cashier’s Check in the amount of at least the deposit and all required information. If you are renewing your policy, the completed application, Cashier’s Check for the full amount quoted, and all mandatory information must be postmarked (or accepted by an overnight delivery service) no later than the expiration date of your policy. The submission will be automatically returned if all mandatory items are not received.

When do I send in the premium payment?

A Cashier’s Check, Bank Draft or US Postal 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 US Postal Money order prior to the expiration of your current coverage.

Is coverage available on a claims made basis or occurrence basis?

Physicians and other individual health care providers have a choice of either Occurrence or Claims Made coverage. Hospital coverage can only be written on an Occurrence basis. Professional Liability coverage for Nursing Homes and Assisted Living facilities can only be written on a Claims Made basis.

What are the minimum and maximum limits of liability?
Minimum limits of liability are $100,000 each occurrence and $300,000 annual aggregate. The maximum limits of liability are $1,000,000 each occurrence and $3,000,000 annual aggregate.

If coverage is written on a claims made basis, is an extended reporting endorsement (tail coverage) available?

Yes, an unlimited extended reporting endorsement (tail coverage) is available on all claims made policies, unless the policy has been cancelled for non-payment.

Is coverage available outside of Texas?

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

Can I cancel my policy or must the policy remain in force until its normal expiration date?
An insured may elect to cancel his/her policy at any time during the policy period.  The earliest possible date for cancellation is the day after the insured's written request is received in the JUA office.

What constitutes a claim that should be reported?

A claim can be first made under several different scenarios and should be reported to JUA immediately:

1. Receipt of a Notice of Claim or Representation letter directed to the Insured;
2. Receipt of a letter or verbal statement making a monetary demand;
3. Receipt of a summons, citation & petition or any other process from a court of law;
4. When an injury occurs, which appears likely to involve the insured in a claim or suit for damages.


How do I report a claim?

A claim can be reported by phone, fax, e-mail, overnight mail or regular service of mail. Upon receipt of a claim, JUA should be notified immediately and provided a complete copy of the documentation received, along with the patient’s name, the date, time and place of the incident, and circumstances surrounding the injury itself.

How is the defense attorney chosen?

If a lawsuit is filed, or it is determined that a file in claim status requires consulting with an attorney, JUA will retain counsel, under the policy, on behalf of the insured physician or facility. JUA maintains a panel of approved defense firms throughout the State of Texas. The approved firms/attorneys must meet the criteria set forth in the JUA Claims Management Guidelines.