Instead of buying a tail, physicians can opt to maintain prior acts coverage which extends back to the retroactive date of the claims-made policy, or they can renew the current policy with retroactive coverage. However, new employee contracts often prohibit these options to avoid assuming risks from the physician’s previous employer. Additionally, the former employer’s contract might require a true “Tail Policy” rather than including nose on the new policy, since tail is final and prior acts coverage must be maintained year after year.