Texas (TX)
Telehealth & Digital Health Liability Insurance in Texas
Texas Occupations Code Chapter 111 lets a physician establish a valid patient relationship entirely through a synchronous audio-visual encounter, so a platform no longer needs an initial in-person visit before treating a Texas patient, but the Texas Medical Board still expects the same history-taking and examination rigor an in-person visit would require. Coverage for a Texas-facing telehealth program should track that relationship-formation standard alongside the state's separate two-year malpractice limitation and pre-suit expert-report requirement.
Texas at a glance
- Telemedicine statute
- Texas Occupations Code Chapter 111
- Malpractice framework
- Civil Practice and Remedies Code Chapter 74
- Compact status
- IMLC member since 2021
- Insurance regulator
- Texas Department of Insurance
Allows relationship formation through synchronous audio-visual contact without a prior in-person visit.
Caps noneconomic damages and requires a timely expert report; upheld repeatedly by the Texas Supreme Court.
Speeds licensure intake but does not substitute for separate controlled-substance registration.
Oversees carriers writing telehealth liability coverage for Texas-facing organizations.
Chapter 111 relationship standard after SB 1107
Senate Bill 1107, effective in 2017, rewrote Texas Occupations Code Chapter 111 to remove the older requirement that a Texas patient be seen in person before a telemedicine relationship could form. A physician can now establish that relationship through a real-time audio-visual encounter or, for certain visit types, through store-and-forward technology paired with objective diagnostic data, but the Texas Medical Board still disciplines clinicians who prescribe from a questionnaire alone with no synchronous or data-supported contact behind it.
Chapter 74 damages posture and the expert-report gate
Texas Civil Practice and Remedies Code Chapter 74 caps noneconomic damages in health care liability claims, a framework the Texas Supreme Court has upheld against repeated constitutional challenges, and that posture extends to claims arising from a telemedicine encounter treated as health care under the statute. Chapter 74 also requires a claimant to serve an expert report within 120 days of a defendant's answer and imposes a two-year statute of limitations with a ten-year statute of repose, so a telehealth defendant's exposure window is defined early rather than lingering the way it might elsewhere.
IMLC intake and separate controlled-substance registration
Texas joined the Interstate Medical Licensure Compact in 2021, which lets a physician holding a compact letter move through Texas licensure faster than the standard board application, useful for platforms scaling clinician networks into Texas from compact states. That speed does not reach controlled-substance prescribing: a clinician still needs Texas State Board of Pharmacy and DPS Controlled Substances Registration credentials, and Texas Medical Board rule 22 TAC Section 174 separately conditions remote prescribing of scheduled drugs on meeting the chapter's relationship and documentation standard.
Coverage built around Texas's litigation posture and referral hubs
Underwriters reviewing a Texas book weigh how a program documents the Chapter 111 relationship for each visit type, since that documentation is often the first thing a plaintiff's expert-report reviewer examines under Chapter 74. Programs routing Texas patients toward specialty consults concentrated around Houston's medical center or Dallas's hospital systems should also document escalation and handoff steps, because an unclosed referral loop is a recurring fact pattern behind delayed-diagnosis claims regardless of how strong the underlying visit documentation was.
Who we write this for in Texas
Coverage considerations for medical offices operating in Texas.
Nurses insuranceCoverage considerations for mental health counselors operating in Texas.
Licensed Professional Counselors insuranceCoverage considerations for home health care operating in Texas.
Home Health Agencies insuranceTelehealth liability FAQs for Texas
Medical liability law changes frequently through legislation and court rulings. Confirm current limits, deadlines, and requirements with a licensed agent or counsel before relying on them.
General guidance, not legal advice. Texas requirements change and apply differently by entity type, class code and contract. Confirm current rules with the Texas Department of Insurance or talk with a licensed US Professional Insure agent.
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