Skip to content
466 reviews · Rating: 5.0
★★★★★
Call Us Today! 1-800-969-1339 | info@medpli.com
466 reviews · Rating: 5.0
★★★★★

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

  • SERVICES
    • Telemedicine Malpractice Insurance
    • Tail Insurance
    • Private Practice Insurance
    • Medical Practice Risk Assessment
    • Medical Facility Insurance
    • Group Insurance
    • Healthcare Staffing Insurance
    • Consulting
  • SPECIALTIES
    • Anesthesiologists
    • Bariatric Surgeons
    • Cardiologists
    • Correctional Medicine
    • Dermatologists
    • Family Medicine
    • Gastroenterologists
    • General Surgeons
    • Hospitalists
    • Internists
    • Interventional Radiologists
    • Ketamine Infusion Therapy
    • Medical Spas
    • Neurologists
    • Neurosurgeons
    • OB/GYNs
    • Orthopedic Surgeons
    • Otolaryngologists
    • Plastic Surgeons
    • Psychiatrists
    • Radiologists
  • STATE BUYING GUIDES
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • District of Columbia
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming
  • ABOUT
    • About MEDPLI
    • Staff
  • NEWS & BLOG
    • Blog
    • Press
  • GET QUOTE
  • SERVICES
    • Telemedicine Malpractice Insurance
    • Tail Insurance
    • Private Practice Insurance
    • Medical Practice Risk Assessment
    • Medical Facility Insurance
    • Group Insurance
    • Healthcare Staffing Insurance
    • Consulting
  • SPECIALTIES
    • Anesthesiologists
    • Bariatric Surgeons
    • Cardiologists
    • Correctional Medicine
    • Dermatologists
    • Family Medicine
    • Gastroenterologists
    • General Surgeons
    • Hospitalists
    • Internists
    • Interventional Radiologists
    • Ketamine Infusion Therapy
    • Medical Spas
    • Neurologists
    • Neurosurgeons
    • OB/GYNs
    • Orthopedic Surgeons
    • Otolaryngologists
    • Plastic Surgeons
    • Psychiatrists
    • Radiologists
  • STATE BUYING GUIDES
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • District of Columbia
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming
  • ABOUT
    • About MEDPLI
    • Staff
  • NEWS & BLOG
    • Blog
    • Press
  • GET QUOTE
  • Services
  • Specialties
  • State Buying Guides
  • About
  • News & Blog
    • Blog
    • In The News
  • Get Quote

1-800-969-1339



GET A FREE QUOTE

State Buying Guides

  1. Home
  2. State Buying Guides
  • Latest
  • Buying Guides
  • General Surgeon
  • Med Spa
  • Neurosurgeons
  • OB/GYN
  • Orthopedic Surgeon
  • Plastic Surgeon
  • Anesthesiologist
  • Radiologist
  • Cardiologist
  • Gastroenterologist
  • Neurologist
  • Illinois
    Image of a physician with the text Illinois Medical Malpractice Insurance Physician's Guide overlayed.

    Illinois Medical Malpractice Insurance: 2027 Buyer’s Guide

    Max Schloemann|November 3rd, 2026|

    Explore 2027 Illinois medical malpractice insurance costs, top A-rated insurers, payout trends & the latest state regulations. Get your free quote today.

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

    Medical Malpractice Insurance in Florida: 2027 Buyer’s Guide

    Max Schloemann|November 3rd, 2026|

    Compare 2027 Florida medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

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

    Texas Medical Malpractice Insurance: 2027 Buyer’s Guide

    Max Schloemann|November 3rd, 2026|

    Compare 2027 Texas medical malpractice insurance rates by specialty, carriers, payouts, and regulations. Get your custom MEDPLI quote today.

    Read More
  • Florida
    Medical Malpractice Insurance Guide For Florida Bariatric Surgeons

    Florida OB/GYN Guide to Medical Malpractice Insurance

    Max Schloemann|August 27th, 2026|

    Malpractice Payouts for Florida OBGYNs Are High Florida OB/GYN [...]

    Read More
  • Latest
    Miami Florida Plastic Surgeons Have A High Risk Of Medical Malpractice Claims

    Florida Neurosurgeons Guide to Medical Malpractice Insurance

    Max Schloemann|August 26th, 2026|

    Florida Is a Destination for World-Class Neurosurgery [...]

    Read More
  • Latest
    Image of a physician with the text Kansas Medical Malpractice Insurance Physician's Guide 2026 overlayed

    Kansas Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|July 31st, 2026|

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

    Read More
  • Latest
    Image of a physician with the text Iowa Medical Malpractice Insurance Physician's Guide 2026 overlayed.

    Iowa Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|July 30th, 2026|

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

    Read More
  • Latest
    Image of a physician with the text Delaware Medical Malpractice Insurance Physician's Guide 2026 overlayed.

    Delaware Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|July 27th, 2026|

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

    Read More
  • Latest
    Image of a physician with the text Washington DC Medical Malpractice Insurance Physician's Guide 2026 overlayed.

    District of Columbia Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|July 27th, 2026|

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

    Read More
12Next

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.

  • Home
  • Services
    • Telemedicine Insurance
    • Tail Insurance
    • Private Practice Insurance
    • Medical Practice Risk Assessment
    • Medical Facility Insurance
    • Group Insurance
    • Consulting
    • Healthcare Staffing Insurance
  • Specialties
    • Anesthesiologists
    • Bariatric Surgeons
    • Cardiologists
    • Dermatologists
    • Family Medicine
    • Gastroenterologists
    • General Surgeons
    • Hospitalists
    • Internists
    • Ketamine Infusion Therapy
    • Medical Spas
    • Neurologists
    • Neurosurgeons
    • OB/GYNs
    • Orthopedic Surgeons
    • Otolaryngologists
    • Plastic Surgeons
    • Psychiatrists
    • Radiologists
  • State Buying Guides
  • About
    • Staff
  • News & Blog
    • In The News
  • Privacy Policy
  • Contact Us

Telephone: 800-969-1339

Email: info@medpli.com

MEDPLI Insurance Services
1740 Innovation Drive, Ste. 44
Carbondale, IL 62903

epay button

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 © 2026 All Rights Reserved. Privacy Policy
LinkedInFacebookYouTubeInstagramX
Page load link
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.

Get a Quote

Loading
(optional)
Drag & Drop Files, Choose Files to Upload You can upload up to 5 files.
By subscribing, you agree to our Privacy Policy. You can unsubscribe at any time.
Loading

Go to Top