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Read Our 2026 California Medical Malpractice Insurance Buyers Guide

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

    Texas Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 17th, 2026|

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

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

    Virginia Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 15th, 2026|

    See 2026 Virginia’s medical malpractice insurance guide for the latest rates by specialty, top carriers, payouts & state regulations. Get your quote today.

    Read More
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    New Jersey Medical Mapractice Insurance Buying Guide

    New Jersey Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 9th, 2026|

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

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

    Massachusetts Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 7th, 2026|

    See 2026 Massachusetts 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|January 5th, 2026|

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

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

    New York Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 3rd, 2026|

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

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

    Illinois Medical Malpractice Insurance: 2026 Buyer’s Guide

    Max Schloemann|January 2nd, 2026|

    Explore 2026 Illinois medical malpractice insurance costs, top A-rated insurers, payout trends & the latest state regulations. Get your free quote today.

    Read More
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    New Hampshire Medical Malpractice Insurance State Buying Guide 2025

    2025 New Hampshire Medical Malpractice Insurance Buying Guide

    Max Schloemann|September 11th, 2025|

    GUIDE: Read here for New Hampshire’s medical malpractice insurance rates by specialty, top carriers, payout trends & state laws. Get a custom quote here.

    Read More
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    2025 Nevada Medical Malpractice Insurance State Buying Guide

    2025 Nevada Medical Malpractice Insurance Buying Guide

    Max Schloemann|August 20th, 2025|

    GUIDE: Read here for Nevada’s medical malpractice insurance rates by specialty, top carriers, payout trends & state laws. Get a custom quote 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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MEDPLI Insurance Services
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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 © 2026 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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