Covers any incident that happens during the policy period, regardless of when the claim is filed, even years later. It’s a long-term alternative to claims-made coverage, usually costing more upfront but not requiring tail insurance.

FAQs Archive | MEDPLI Professional Liability Insurance

Q: Nose Coverage (Prior Acts Coverage)

Lets your new insurer cover claims for work you did under your old policy, so you don’t have a gap in protection when you switch insurers. It’s usually moderately priced and often cheaper than buying separate tail coverage.

Q: How many years does tail coverage last?

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.

Going Bare (Not Recommend)

Marcie Lord|November 11th, 2025|

Ending a claims-made policy without buying tail or any replacement [...]

Employer-Provided Coverage

Marcie Lord|November 11th, 2025|

Some employers provide ongoing liability or tail coverage for former [...]

Extended Reporting Period (ERP)

Marcie Lord|November 11th, 2025|

A built-in or optional feature of a claims-made policy that [...]

Occurrence Policy

Marcie Lord|November 11th, 2025|

Covers any incident that happens during the policy period, regardless [...]

Nose Coverage (Prior Acts Coverage)

Marcie Lord|November 11th, 2025|

Lets your new insurer cover claims for work you did [...]

Do Florida malpractice insurance policies include tail coverage?

Marcie Lord|November 11th, 2025|

Tail coverage is not automatically included in most Florida malpractice [...]

What are the Florida requirements for medical malpractice insurance?

Marcie Lord|November 11th, 2025|

Florida law does not require all physicians to carry malpractice [...]

How much does medical malpractice insurance cost in Florida in 2026?

Marcie Lord|November 11th, 2025|

In 2026, Florida medical malpractice insurance premiums typically range from [...]