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424 reviews · Rating: 5.0
★★★★★

Read Our 2026 California Medical Malpractice Insurance Buyers Guide

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  • What’s the difference between claims-made and occurrence coverage?

    Marcie Lord|April 13th, 2026|

    This is one of the biggest decisions you’ll make. Claims-made [...]

    Read More
  • What are the medical malpractice damage caps in Missouri?

    Marcie Lord|April 13th, 2026|

    Missouri caps non-economic damages (such as pain and suffering), but [...]

    Read More
  • How do I find the best medical malpractice insurance in Missouri?

    Marcie Lord|April 13th, 2026|

    The best policy isn’t just about price. It’s about finding [...]

    Read More
  • Do I actually need medical malpractice insurance in Missouri?

    Max Schloemann|April 13th, 2026|

    Missouri doesn’t legally require physicians to carry malpractice insurance. But [...]

    Read More
  • What should I look for in a radiology malpractice insurance policy?

    Max Schloemann|April 13th, 2026|

    Work with a specialized medical malpractice broker who understands [...]

    Read More
  • How much malpractice coverage do I need?

    Max Schloemann|April 13th, 2026|

    Requirements vary by state, but typical liability limits on radiology [...]

    Read More
  • Which insurance companies have the best policies for radiologists?

    Max Schloemann|April 13th, 2026|

    While these top insurance providers offer excellent coverage, the “best” [...]

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  • How do I get a quote for radiologist medical malpractice insurance​?

    Max Schloemann|April 13th, 2026|

    Fill out MEDPLI’s free quote form, email info@medpli.com, or give [...]

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  • What type of malpractice coverage do you recommend for radiation oncologists and other radiology specialists?

    Max Schloemann|April 13th, 2026|

    It depends on your location, risk profile, patient volume, malpractice [...]

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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
1740 Innovation Drive, Ste. 44
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 © 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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