How is occurrence-form coverage different from tail insurance?

With an occurrence policy, doctors are protected from any incidents during the policy term, no matter when the claim is submitted.

• Occurrence coverage provides lifelong coverage and is more expensive upfront.
• Tail coverage can offer lifelong protection if a doctor selects an unlimited-length term. While not all states or practice types qualify for occurrence coverage, tail coverage is available to all physicians who have active claims-made coverage. The duration of the tail coverage available depends on the carrier and specific risk.