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Read Our Latest Guide: Physician’s 2026 Guide to Tail Insurance Coverage

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    CARE RRG in Rehabilitation: Protect Yourself Before Coverage Ends

    Max Schloemann|May 16th, 2025|

    CARE Risk Retention Group has been placed into rehabilitation, leaving physicians at risk. See how MEDPLI can help you secure A-rated malpractice coverage fast.

    Read More
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    MEDPLI CEO Max Schloemann Shares Tail Insurance Tips in White Coat Investor

    Max Schloemann|April 18th, 2025|

    MEDPLI CEO Max Schloemann offers expert strategies for budgeting tail insurance in retirement in White Coat Investor. Read more here.

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    MEDPLI Featured in Medical Economics Article: Why Tail Insurance Is Critical for Physicians

    Max Schloemann|February 27th, 2025|

    MEDPLI was featured in Medical Economics in an article on risk mitigation for physician owners, emphasizing the importance of tail insurance. Learn more here.

    Read More
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    Medical Malpractice Damage Caps Increase in Colorado

    Max Schloemann|July 2nd, 2024|

    Max Schloemann discusses Colorado's updated medical malpractice laws, including increased damage caps. Read more here to stay informed on how these changes may affect your practice.

    Read More
  • Tail Insurance
    APP Bankruptcy Doctor Searching For Malpractice Tail Insurance Policy Online

    American Physicians Partners (APP) Bankrupt, Causing Doctors To Lose Tail Malpractice Insurance

    Max Schloemann|November 13th, 2023|

    Losing your tail malpractice insurance due to APP bankruptcy? Learn how to get a replacement policy or contact MEDPLI here to get replacement tail coverage now.

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    MEDPLI Featured in White Coat Investor on Tail Insurance

    MedpliNews|October 28th, 2022|

    MEDPLI was quoted in an article about claims-made vs. [...]

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    MEDPLI Featured on Ketamine Risk in The Health Lawyer

    MedpliNews|June 25th, 2022|

    Max Schloemann, founder of MEDPLI, was published in a [...]

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    MEDPLI Featured by Property Casualty 360 on Insurance Expenses for Doctors Moving States

    MedpliNews|December 17th, 2021|

    Max Schloemann, founder of MEDPLI, was featured by Property [...]

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    Max Schloemann Featured by Physicians Practice on Coding & Billing Malpractice Risk

    MedpliNews|June 3rd, 2021|

    Max Schloemann, founder of MEDPLI, had an article published [...]

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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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Telephone: 800-969-1339

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MEDPLI Insurance Services
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Carbondale, IL 62903

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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.

MEDPLI © 2025 All Rights Reserved. Privacy Policy
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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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