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CEO Max Schloemann Featured in White Coat Investor: Why Tail Coverage Is Essential in 2026

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Malpractice Insurance

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    Image of a physician with the text Arkansas Medical Malpractice Insurance Physician's Guide 2026 overlayed.

    Arkansas Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|May 5th, 2026|

    See 2026 Arkansas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

    Read More
  • Malpractice Insurance
    Image of a physician with the text California Medical Malpractice Insurance Physician's Guide overlayed.

    California Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|May 5th, 2026|

    See 2026 California medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

    Read More
  • Malpractice Insurance
    Image of a physician with the text Colorado Medical Malpractice Insurance Physician's Guide overlayed.

    Colorado Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|May 2nd, 2026|

    Read 2026 Colorado medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

    Read More
  • State Buying Guides
    Image of a physician with the text Arizona Medical Malpractice Insurance Physician's Guide overlayed.

    Arizona Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|May 1st, 2026|

    GUIDE: Overview of Arizona medical malpractice insurance rates by specialty, top carriers, payout statistics & state regulations. Get a custom quote here.

    Read More
  • Malpractice Insurance
    MEDPLI State Malpractice Payout Tool

    TOOL: Medical Malpractice Payouts By State (2019-2025)

    Max Schloemann|April 16th, 2026|

    LAST UPDATED: April 16, 2026 The data is now [...]

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  • State Buying Guides
    Image of a physician with the text Missouri Medical Malpractice Insurance Physician's Guide 2026 overlayed.

    Missouri Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|April 13th, 2026|

    GUIDE: Overview of Missouri medical malpractice insurance rates by specialty, top carriers, payout statistics & state regulations. Get a custom quote here.

    Read More
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    Medical Malpractice Insurance in Deleware

    2026 Delaware Medical Malpractice Insurance Buying Guide

    Max Schloemann|March 19th, 2026|

    GUIDE: See Delaware medical malpractice insurance rates by specialty, top insurers, payout trends & laws. Click to compare carriers & get your custom quote.

    Read More
  • State Buying Guides
    Image of a physician with the text Oregon Medical Malpractice Insurance Physician's Guide overlayed.

    Oregon Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|March 17th, 2026|

    Read 2026 Oregon medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

    Read More
  • Malpractice Insurance
    Doctor at Desk Working

    Claims-Made vs. Claims-Paid Medical Malpractice Insurance: What Physicians Need to Know

    Max Schloemann|February 26th, 2026|

    Compare claims-made vs. claims-paid medical malpractice insurance for doctors. Learn differences, risks, costs & which policy best protects your practice here.

    Read More
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MEDPLI medical liability insurance logo
MEDPLI is an independent insurance practice specializing in medical professional liability insurance. Through our A-rated insurance partners, we provide insurance solutions to doctors and healthcare providers in the United States.

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The information on this page is provided for general informational purposes only and is not intended to constitute insurance or legal advice.  MEDPLI is not a law firm and does not provide legal advice.

MEDPLI Insurance Services, LLC is an independent insurance broker dedicated to helping doctors find the coverage that best fits their professional needs.

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Tail coverage term lengths range from 1 year to unlimited. Standard terms are for 2, 3, and 5 years.

Expert tip: Choose tail coverage that extends beyond your state’s malpractice claim statute of limitations. Most physicians prefer unlimited-term policies for lasting protection, even if shorter options cost less.

Without tail insurance coverage, a physician can be financially liable for future claims from patient care that occured during the lapsed claims-made policy period. This liability can range from thousands to millions of dollars, based on the severity of the claim.

Expert Tip: Use our Medical Malpractice Payouts By State Tool to get a sense of what the medical malpractice payout landscape is like in different states.

Tail insurance should be secured by the last day of the active claims-made policy. Often, the incumbent carrier offers a 30-day window after the policy lapses for a doctor to exercise the option to buy their tail policy. We recommend that you pursue standalone quotes before accepting an incumbent offer. Starting that process when you decide to change employers will provide more opportunities to compare quotes and secure the best rate.

Expert Tip: If you’re planning to leave your employer or have already done so, reach out to a medical malpractice insurance broker right away. Timing is critical for securing proper coverage.

Each medical specialty has its own insurance risk profile, which may require specialized tail insurance. A policy must reflect the exact circumstances of a physician’s practice and cover all services provided.
Tail coverage protects doctors against any future claims that have yet to be reported.
What does tail insurance typically cover?
Tail insurance covers any financial liability associated with a medical malpractice claim.
This includes:
  • Legal fees
  • Expert witnesses
  • Settlements
  • Any damages awarded to the plaintiff
When is tail coverage necessary?
Tail coverage is necessary is specific situations, primarily for professionals and organizations that use claims-made insurance policies. There are four common instances when it’s needed:

  1. When You’re Leaving a Claims-Made Policy
  2. When Switching Insurers or Jobs
  3. When Retiring or Closing a Practice
  4. When Contractually Required

Tail insurance protects you from claims made after your claims-made policy ends. It covers incidents that occurred while you were insured but are reported later, after your policy’s cancellation date. Without tail coverage, you’d be personally responsible for any lawsuits or legal costs that arise afterward, which can cost hundreds of thousands of dollars.

Expert Tip: When changing jobs, review your insurance program with an experienced broker who knows how to navigate the fine print and ensure you’re protected.

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