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Protecting What Matters Most


How You Can Help Protect Your Practice and Save Thousands

As a practice owner, you are acutely aware of the many considerations that are involved in successfully running your practice. You know the things that make your practice unique, that make it your own. You also know well the extraordinary amount of expenses that you need to cover every month ... the many thousands of dollars that it takes to keep your practice operating. What would happen to your practice if you became sick or were injured and unable to work for an extended period of time?

Help Protect your Practice and Save

Because we appreciate the hard work and sacrifice of Texas practice owners, we are offering the TMA Member Business Overhead Expense (BOE) Plan. This plan will help pay the overhead expenses for your practice while you focus on recovering. 

The truth is, personal disability insurance is not designed to care for the financial needs of your practice during a sustained illness or injury; it is designed to provide the funds to keep your household running. You also wouldn’t want to pull from your savings or retirement accounts to meet the financial needs of your practice. BOE insurance is specifically designed to provide the capital needed to help keep your practice operating while you recover and can get back to work.

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

Help Protect Your Practice with BOE

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

  • 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.

This coverage can be crucial in helping to keep your practice viable for the people who depend on it: your family, your patients and your employees. BOE insurance helps to protect your achievements, and helps to maintain your professional standing in the community as well as the momentum your practice has built.

Speak with Your Partners About This Coverage

TMA Insurance Trust recommends that if you are in practice with partners, each should have their own business overhead insurance to cover their portion of the practice's operating expenses. That way, the practice can be more completely protected. In the event one of you could not work for an extended period of time, it would help cover their expenses, prevent serious financial loss and help keep the practice running smoothly.

Exclusive Benefits for TMA Members

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 practice’s needs in mind.

If you look at the specific benefits of this coverage, you can see the advantages your practice would gain by being covered:

  • This BOE plan pays a monthly benefit of up to $50,000 per month 
  • The TMA Member BOE plan pays benefits up to 24 months, which is twice the benefit period of some other carriers.
  • The first benefit payment is made 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.

Help Keep Your Practice in Good Health

Help keep your practice in good health; ensure that if you become seriously sick or injured, your practice can keep going while you get better. Get the insurance plan that goes to work for you while you are not able to work.

To contact us, call 1-800-880-8181 or click here to schedule a call. 

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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:

TMA Member Business Overhead Expense plan 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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