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The 2027 Tail Insurance Outlook: What Every Physician Should Know Now

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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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