Insurance Coverage You Deserve, from the Insurance Company You Own
For 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.
At THIE, we are dedicated to delivering comprehensive insurance coverage that addresses the unique challenges faced by healthcare organizations in Texas. Our focus includes medical professional liability, workers’ compensation, and risk management services designed to protect both patients and staff.​
The THIE Difference
Our History:
Established in 1975, THIE has grown alongside Texas’s healthcare landscape, expanding our services to meet the evolving needs of hospitals and healthcare providers. Our commitment to excellence has made us a leading choice for healthcare insurance in Texas.​
Why Choose THIE:
Unlike profit-driven insurance companies, THIE operates as a reciprocal exchange, meaning our subscribers share ownership and benefit directly from our success. Since 2011, we have returned over $9 million in surplus to our subscribers, reflecting our commitment to their financial well-being.
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!