Whether or not you need to buy tail depends on your situation – contact a MEDPLI Insurance Broker if you have any doubts after reading this.  With claims-made insurance, you need to ensure you have prior acts coverage on the new policy or you will need tail. If you are considering changing carriers, you need to make sure there are no gaps in coverage.

You need to obtain prior acts coverage back to your retroactive date when changing carriers, otherwise you will need tail.