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Protecting What Matters Most


How to Help Protect your Practice - and Save 25%

As a medical practice owner, you work incredibly hard for the benefit of your patients, and you deserve sincere and whole-hearted thanks.

We appreciate all the good you do for your patients, your staff, and your community. One of the ways we have chosen to express our appreciation is by creating the 25% Thank You Credit on TMA Member Business Overhead Expense insurance issued by The Prudential Insurance Company of America. That means your premium payments would be 25% lower*. If you don’t already have this coverage, now may be the right time to seriously consider it.

Practice Owners Must Expect the Unexpected

If you’re in private practice, you know that there is so much more to being a practice owner or partner than you dreamed of when you were young. Yes, you love taking care of your patients and the relationships you have built with them; but you have legal considerations, staff needs, and in the end, you never forget that you are running a business - one that needs to remain profitable to succeed.

So, what happens if you become sick or injured and are unable to work for an extended period of time? You most likely have disability insurance to help protect yourself and your family. But what will protect your practice?

If you couldn’t work, who would see your patients? How would you pay for your lease and utilities (or your share of the business overhead)? How would your practice cover the salaries for your staff if you weren’t bringing in revenue? Because of an injury or illness, these serious problems can develop alarmingly fast.

When Personal Disability Insurance Doesn’t Fit

Your personal disability insurance benefit is meant to help protect your personal and familial expenses. If personal disability insurance is made to do double duty, it will likely not be enough to cover your business expenses and take care of your personal needs. Chances are, they will both suffer. It is important to help protect your practice’s financial health with Business Overhead Expense insurance.

Have questions about your insurance needs? We're here to help - click here or call today

1-800-880-8181 7:30 – 5:30 CST Monday – Friday

How Business Overhead Expense Insurance Helps to Protect Your Practice

The benefits from your Business Overhead Expense Insurance can be used to help cover the many expenses your practice will incur while you are away:

  • providing for a locum tenens physician,
  • lease or mortgage payments,
  • employee salaries,
  • payroll taxes,
  • utilities,
  • office supplies and equipment,
  • maintenance services,
  • loan payments,
  • property taxes,
  • and more.

In a very real sense, this coverage can help keep your practice viable for those who rely on it: you and your family, your patients and your employees. It helps protect everything you have achieved through hard work, and maintain your professional standing in the community as well as the successful momentum your practice has built.

We’re Saying “Thanks” - You Pay 25% Less

If you are a TMA member, you have access to the TMA Member Business Overhead Expense Plan issued by The Prudential Insurance Company of America, which offers exclusive benefits that were designed with your needs in mind.

Take a closer look at the specific benefits of this coverage.

  • This plan offers a lower cost when compared to some competing plans – a great value for TMA Members. Now you can save 25% with our Thank You Credit.
  • This plan pays a monthly benefit of up to $50,000 per month for a total of up to $1,200,000.
  • The TMA Member plan pays benefits up to 24 months; twice the benefit period of some other carriers.
  • This plan makes the first payment retroactively after you have been disabled for 30 continuous days.
  • During the time you are disabled, your premiums are waived, so coverage will continue at no cost to you.
  • If you suffer even a partial disability, you may qualify to receive benefits.

At TMA Insurance Trust, we care about your future and are sincerely committed to your success. In recognition for all you do, we are now offering a 25% statement credit on our TMA Member Business Overhead Expense Plan. We want to ensure that if you become seriously sick or injured, your practice can keep going while you get better. Get the plan that goes to work for you when you can’t work.

Consult free of charge with one of our knowledgeable advisors who can help tailor a plan that takes into account your specific circumstances and offers you optimal insurance protection. To contact us, call 1-800-880-8181 or click here to schedule a call. If you prefer, you can also apply online for The TMA Member Business Overhead Expense Plan issued by The Prudential Insurance Company of America. To get started, click below.

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For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.

Speak with a TMA Insurance Trust Advisor:

* Effective 8/1/2019, TMA Insurance Trust is able to provide participants with a premium credit of 25% that will be applied to their billing invoices, effectively decreasing the amount of their premium payments by 25%. This complimentary premium credit is provided at the sole discretion of TMA Insurance Trust, is not guaranteed for future years, and will be subject to periodic review and evaluation.
TMA Member Business Overhead Expense coverage is issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet-certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. CA COA# 1179, NAIC #68241. Contract Series 83500.

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