What lawyers really pay for malpractice insurance — typical premiums for solo attorneys and small firms, the factors that move the number, and how to avoid paying for the wrong coverage.

Texas firms choose coverage rather than being forced into it — and that shapes the price. Solo and small-firm ranges, the five factors that move Texas premiums, and how to budget.

No — Texas doesn’t require attorneys to carry malpractice insurance, or even to disclose that they don’t. Here’s what the law actually says, with citations, and why most firms carry it anyway.