Insurance Coverage You Deserve, from the Insurance Company You Own

Insuring is THIE’s specialty; providing a comprehensive range of affordable business insurance products and services for health care entities. By focusing on a single industry, THIE brings unmatched expertise and insight into the needs and challenges health care facilities face. THIE has been matching the needs of Texas for more than 40 years.

Years of growth and progress have allowed THIE to develop our services beyond rural care; offering our insurance products to all health care entities including hospitals, home health care agencies, management companies, and more.

In 2017, THIE took the opportunity to make changes to keep up with the evolution of the services. With continued success and growth in Texas, THIE seized the opportunity to expand into Oklahoma and Arkansas; providing much-needed services to our neighboring state’s health care facilities.

The THIE Difference

At THIE, our focus is on health care 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 surplus back to our subscribers. Each year, through our popular subscriber surplus refund program, we are able to distribute surplus refunds to our subscribers.

Since 2011, THIE has returned a total of $7 million to our subscribers. Learn more in the THIE 2020 Annual Report.

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

1994

Received B++ rating from AM Best

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; 11% in 2011

2014

Reached $12.5 million in surplus

2015

$20 million in surplus and the addition of Cyber Liability Coverage

2018

Growth into Oklahoma and celebrating the return to a B++ Rating

2020

Covid-19 Relief: THIE approves $1 million surplus distribution to active subscribers.

2021

2021

Expansion into Arkansas

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