What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Professional Liability / E&O · Calculator, Comparison & Guide

Medical Malpractice Insurance: Calculator, Comparison Table & Guide

Texas remains one of the lower-cost malpractice states after 2003 tort reform. Specialty and county drive the rate.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Physician Malpractice Estimator (Texas)

Texas remains one of the lower-cost malpractice states after 2003 tort reform. Specialty and county drive the rate.

Specialty

Territory

Limits

Years into claims-made step

Claims-made premiums step up over 5 years to mature.

Paid claims in 10 years

Part-time (< 20 hrs/wk)?

Results
Line	Estimate
Mature annual premium	—
Claims-made step factor	—
Loss-experience factor	—
Part-time factor	—
Estimated annual premium	—
Estimated tail (ERP) cost if you leaveTail typically 150%–200% of mature premium; free tail on death, disability, retirement after 5 yrs with many carriers.	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Malpractice Policy Types

Claims-made vs. occurrence vs. employer-provided.

Criterion	Claims-Made	Occurrence	Employer / Hospital Program
Trigger	Claim reported during policy	Incident during policy	Varies (usually claims-made)
Tail needed at exit	Yes	Excluded	Often — check for 'free tail' terms
Early-year cost	Lowest	Highest	Included in comp
Consent to settle	Usual	Usual	Rare — hospital decides
Covers moonlighting	Excluded	Excluded	Excluded
Portable	With prior-acts	Included	Excluded
Best fit	Established practice	Retiring within 5 yrs	Employed physicians

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Medical Malpractice in Texas & Florida: Limits, Tails, and Tort Reform

What the 2003 caps mean for your limits, why tail is your biggest hidden cost, and how employed physicians get trapped.

Texas tort reform (HB 4, 2003)

Non-economic damages are capped at $250K per defendant (up to $750K total). Economic damages are uncapped.

$200K/$600K is common; $1M/$3M for hospital privileges
Texas Medical Liability Trust and several carriers compete for Texas physicians
Florida has no effective cap; $250K/$750K or $1M/$3M is common and premiums run 2–4×

Claims-made and tail

Most physician policies are claims-made. Leaving means buying tail or securing prior-acts (nose) coverage from the new carrier.

Tail = 150%–200% of mature premium, one-time
Free tail after 5 years on retirement, death, or disability with many carriers
Negotiate tail in any employment agreement — who pays?

Employed physicians

Hospital-provided coverage usually lacks consent-to-settle and ends when employment ends.

Ask whether the hospital pays tail on termination
Confirm limits and whether they're shared
Consider a personal 'gap' policy for moonlighting and licensing defense

Frequently Asked Questions

What is a 'consent to settle' clause?

Your right to refuse a settlement that would be reported to the NPDB against you. Essential for physicians.

Does malpractice cover a medical board complaint?

Only with a licensing/regulatory defense sublimit, typically $25K–$100K. Ask for it.

Do NPs and PAs need their own policy?

Yes, in most cases. Entity policies often cover them vicariously but not for licensing or if they moonlight.

Related: medical malpractice insurance Texas · physician professional liability · MPL · surgeon malpractice

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The Smart Intake takes about two minutes. A licensed advisor reviews your medical malpractice exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.