Stand-Alone Tail Medical Malpractice Liability Insurance

When Do You Need Detox & Rehabilitation Professional Liability Insurance?

Stand alone tail coverage.


First we must start with, “What is tail coverage”.  Simply put, tail coverage or extended reporting period (ERP) is an endorsement that is added to a practitioner’s medical malpractice policy that does not extend a policy period.  Rather, it extends the time a claim can be reported. 

Tail coverage comes into play for scenarios such as a practitioner retires, leaves a practice or does not renew their current policy. 

Standard medical malpractice companies often provide free unlimited tail coverage for practitioners who meet certain criteria such as retiring from the practice of medicine, meet a certain age criteria and have been insured with the carrier for a certain number of years. 




Tail coverage is typically priced at a factor of annual premium the practitioner paid.  The factor can be anywhere from 200% on up to 300% or more. 

How The Doctors Insurance Agency Can Help You

It  can be challenging to beat a standard and incumbent carrier’s tail coverage quote with the rationale that the incumbent carrier has had the advantage of collecting annual premium while you are asking a new carrier to come in without having that advantage and to insure you against future, unknown claims.  If this is the case, we will let you know right away. 

Key Points of Coverage:

Stand-Alone Tail Medical Malpractice Insurance

Standard companies, when offering tail coverage, typically require that tail coverage be elected and paid for within thirty to ninety days after policy expiration.

Some things that affect tail coverage premium include the amount of time coverage was in effect, amount of annual premium paid by the practitioner and of course past claims experience.

However, there are situations where we may be able to assist.  Such as:

  1. A practitioner leaves a group policy for a new employer. The practitioner is weighing options and inadvertently, the purchase deadline of 60 days passes.  The new employer is requiring the practitioner have tail coverage to cover prior acts. 
  2. A practitioner leaves a group policy for a new opportunity and tail coverage is not offered because it was a shared limits policy so individual tail coverage is not available.  The practitioner is left scrambling to find a stand alone tail coverage policy.  
  3. A practitioner leaves a practice and believes the prior group will be providing tail coverage. Instead, he/she receives notification that the group is in fact NOT providing tail coverage and he/she needs to secure this on their own. 
  4. A practitioner retires and has had claims experience which has resulted in very high annual premiums which then results in a prohibitively expensive tail coverage policy. In cases where your tail coverage premium quote is in excess of $75,000, we may be able to assist with other options.  This might include a shorter tail coverage policy – versus an unlimited tail coverage period.

Stand-Alone Tail Medical Malpractice Liability Insurance Quote