Is Claims-Made or Occurrence Coverage Better?

Both policy types offer valuable protection, but they work differently.

• Claims-made policies provide coverage when the claim is filed and may require tail coverage when changing jobs or retiring.
• Occurrence policies cover incidents that occur during the policy period, even if a claim is filed years later.

The right choice depends on your career plans, practice structure, and budget. We help South Carolina healthcare providers understand the pros and cons of each option.