What Is the Purpose of Malpractice Tail Coverage?


Quick Answer

The purpose of malpractice tail coverage is to ensure that a physician is covered for malpractice claims filed after a change in malpractice insurance coverage has taken place, such as when a physician gets malpractice insurance at a new practice and a previous patient from the old practice files a claim, states the American College of Physicians. Malpractice insurance without tail coverage only covers claims made where the physician currently works and has coverage.

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Full Answer

Tail coverage is usually sought when the physician has claims-made coverage, and the cost can be double the regular malpractice insurance cost, notes the American Congress of Obstetricians and Gynecologists. As an alternative to standalone tail coverage, a physician can seek prior-acts coverage, which can help cover prior claims at a lower cost than tail coverage.

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