Insurance Coverage You Deserve, from the Insurance Company You Own
For nearly 50 years, THIE has specialized in delivering affordable insurance solutions—including workers’ compensation, medical professional liability, and comprehensive risk management services. With a singular focus on the healthcare industry, THIE offers unmatched expertise, insight, and a deep understanding of the unique challenges faced by healthcare facilities.
THIE’s solutions extend across the healthcare spectrum, from hospitals and home healthcare agencies to management companies and beyond. As we’ve grown, our services have expanded beyond rural care to meet the diverse needs of all healthcare organizations across Texas.
In 2017, THIE embraced new opportunities to evolve alongside the changing healthcare landscape. Building on our success in Texas, we expanded into Oklahoma and Arkansas, bringing much-needed insurance solutions to healthcare facilities in neighboring states.
The THIE Difference
At THIE, our focus is on healthcare entities.
Unlike insurance companies only interested in making a profit, THIE is a reciprocal exchange — meaning THIE subscribers share ownership and have a vested interest in its success.
When THIE profits, we distribute the surplus back to our subscribers. Each year, through our popular subscriber surplus refund program, we can distribute surplus refunds to our subscribers.
Since 2011, THIE has returned over $9 million to our subscribers.
Our History
1975-1976
Created as a reciprocal exchange.
First Hospital signed providing Medical Professional Liability Coverage
1976-1980
Added Workers’ Compensation and General liability products to our line of services
1993
Addition of Risk Management services
1995
Added Commercial Automobile coverage to our line of services
2002
THIE’s first Hot Topics
2010
Tess Frazier named CEO; Restructure of Management Team
2011
Development of our popular Surplus Refund Plan
2018
Growth into Oklahoma
2020
Covid-19 Relief: THIE approves $1 million in surplus distribution to active subscribers
2021
Expansion into Arkansas
2025
Celebrating 50 years!