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[1-800-969-1339](tel:1-800-969-1339) | [info@medpli.com](mailto:info@medpli.com) [445 reviews · Rating: 5.0 ★★★★★](https://search.google.com/local/reviews?placeid=ChIJuRnO-eY7d4gRBy0olsLRO8I) CEO Max Schloemann Featured in White Coat Investor: [**Why Tail Coverage Is Essential in 2026**](https://medpli.com/medpli-ceo-max-schloemann-shares-why-tail-coverage-is-essential-in-2026-in-white-coat-investor/) [*](https://medpli.com/)[](https://medpli.com/)**Toggle Navigation- [SERVICES](https://medpli.com/products-services/)[Telemedicine Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/) - [Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/) - [Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/) - [Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/) - [Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/) - 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[Get a quote](https://medpli.com/get-your-medical-malpractice-insurance-quote/)By [Max Schloemann](https://medpli.com/author/max-schloemann/)Published On: May 26th, 2026 - [Home](https://medpli.com) - What is Medical Malpractice Insurance? ### What is Medical Malpractice Insurance? [Get a quote](#quote)[Max Schloemann](https://medpli.com/author/max-schloemann/)May 26th, 2026 Medical malpractice insurance provides asset protection to doctors in the event they are sued for professional negligence (errors or omissions). Another term used for this type of coverage is Medical Professional Liability Insurance, the inspiration for the MEDPLI name. All practicing physicians in the United States should have some type of protection against malpractice claims. If you work for a hospital or large group, your employer might provide coverage for you. If you are in private practice, you must purchase your own medical malpractice insurance. MEDPLI specializes in providing malpractice insurance to private practice physicians. First-time buyers of malpractice insurance should consult with a medical professional liability insurance specialist, such as MEDPLI. An expert in the field should be able to help you get quotes, evaluate coverage options, and answer questions to help you secure coverage that fits your needs. #### Share This Story, Choose Your Platform! [*](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fwhat-is-medical-malpractice-insurance%2F&t=What%20is%20Medical%20Malpractice%20Insurance%3F)[**](https://x.com/intent/post?text=What%20is%20Medical%20Malpractice%20Insurance%3F&url=https%3A%2F%2Fmedpli.com%2Fwhat-is-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fwhat-is-medical-malpractice-insurance%2F&title=What%20is%20Medical%20Malpractice%20Insurance%3F&summary=Medical%20malpractice%20insurance%20provides%20asset%20protection%20to%20doctors%20in%20the%20event%20they%20are%20sued%20for%20professional%20negligence%20%28errors%20or%20omissions%29.%20Another%20term%20used%20for%20this%20type%20of%20coverage%20is%20Medical%20Professional%20Liability%20Insurance%2C%20the%20inspiration%20for%20the%20MEDPLI%20name.%0D%0A%0D%0AAll%20practicing%20physicians%20in%20the%20United%20States%20should%20have%20some%20type%20of%20protection%20against%20malpractice%20claims.%20If)[**](mailto:?subject=What%20is%20Medical%20Malpractice%20Insurance%3F&body=https%3A%2F%2Fmedpli.com%2Fwhat-is-medical-malpractice-insurance%2F)*[Max Schloemann](https://medpli.com/author/max-schloemann/) [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## About the Author Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior. Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance. Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. For malpractice insurance questions, you can contact Max [here.](https://medpli.com/contact-us/) [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## Latest from the Medical Malpractice Insurance Blog - State Buying Guides [ ](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) ## [Oklahoma Medical Malpractice Insurance: 2026 Buyer’s Guide](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|June 11th, 2026|Compare Oklahoma’s top medical malpractice insurance carriers, specialty rates, payouts & up-to-date regulations in 2026. Get a custom MEDPLI quote today. [Read More***](https://medpli.com/oklahoma-physicians-guide-to-malpractice-insurance/) - News [ * ](https://medpli.com/medpli-ceo-max-schloemann-shares-why-tail-coverage-is-essential-in-2026-in-white-coat-investor/) ## [Why Tail Coverage Is Essential in 2026: MEDPLI CEO Featured in White Coat Investor](https://medpli.com/medpli-ceo-max-schloemann-shares-why-tail-coverage-is-essential-in-2026-in-white-coat-investor/) [MedpliNews](https://medpli.com/author/medplinews/)|June 10th, 2026|In a recent White Coat Investor article titled “Malpractice Tail Coverage in the Age of Nuclear Verdicts,” MEDPLI CEO Max Schloemann shares why tail coverage is more important than ever in 2026. [Read More***](https://medpli.com/medpli-ceo-max-schloemann-shares-why-tail-coverage-is-essential-in-2026-in-white-coat-investor/) - Malpractice Insurance [ * ](https://medpli.com/what-is-medical-malpractice-insurance/) ## [What is Medical Malpractice Insurance?](https://medpli.com/what-is-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|May 26th, 2026|Learn how medical malpractice insurance protects physicians from negligence claims. MEDPLI helps private practice doctors find the right coverage. Get your quote here. [Read More***](https://medpli.com/what-is-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) ## [Top 25 Medical Malpractice Insurance Carriers for Doctors in 2026](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|May 19th, 2026|Medical malpractice insurance specialist Max Schloemann recommends the top liability insurance companies for doctors in 2026. Learn how to compare carriers here. [Read More***](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/) [Previous](https://medpli.com/medical-malpractice-insurance-companies-for-doctors/)[Next](https://medpli.com/medpli-ceo-max-schloemann-shares-why-tail-coverage-is-essential-in-2026-in-white-coat-investor/) 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. - [ Home](https://medpli.com/) - [ Services](https://medpli.com/products-services/)[ Telemedicine Insurance](https://medpli.com/products-services/telemedicine-malpractice-insurance/) - [ Tail Insurance](https://medpli.com/products-services/tail-malpractice-insurance/) - [ Private Practice Insurance](https://medpli.com/products-services/private-practice-insurance/) - [ Medical Practice Risk Assessment](https://medpli.com/products-services/medical-practice-risk-assessment/) - [ Medical Facility Insurance](https://medpli.com/products-services/medical-facility-insurance/) - [ Group Insurance](https://medpli.com/products-services/group-medical-malpractice-insurance/) - [ Consulting](https://medpli.com/products-services/medical-liability-malpractice-insurance/) - [ Healthcare Staffing Insurance](https://medpli.com/products-services/healthcare-staffing-medical-malpractice/) - [ Specialties](https://medpli.com/specialties/)[ Anesthesiologists](https://medpli.com/specialties/anesthesiologist-medical-malpractice-insurance/) - [ Bariatric Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-bariatric-surgeons/) - [ Cardiologists](https://medpli.com/specialties/cardiologist-medical-malpractice-insurance/) - [ Dermatologists](https://medpli.com/specialties/dermatologist-medical-malpractice-insurance/) - [ Family Medicine](https://medpli.com/specialties/family-medicine-medical-malpractice-insurance/) - [ Gastroenterologists](https://medpli.com/specialties/gastroenterologist-medical-malpractice-insurance/) - [ General Surgeons](https://medpli.com/specialties/malpractice-insurance-general-surgeons/) - [ Hospitalists](https://medpli.com/specialties/hospitalist-medical-malpractice-insurance/) - [ Internists](https://medpli.com/specialties/internist-medical-malpractice-insurance/) - [ Ketamine Infusion Therapy](https://medpli.com/specialties/ketamine-infusion-malpractice-insurance/) - [ Medical Spas](https://medpli.com/specialties/medical-spa-malpractice-insurance/) - [ Neurologists](https://medpli.com/specialties/neurologist-medical-malpractice-insurance/) - [ Neurosurgeons](https://medpli.com/specialties/malpractice-insurance-neurosurgeons/) - [ OB/GYNs](https://medpli.com/specialties/obgyn-medical-malpractice-insurance/) - [ Orthopedic Surgeons](https://medpli.com/specialties/malpractice-insurance-for-orthopedic-surgeons-new/) - [ Otolaryngologists](https://medpli.com/specialties/otolaryngologist-medical-malpractice-insurance/) - [ Plastic Surgeons](https://medpli.com/specialties/medical-malpractice-insurance-for-plastic-surgeons/) - [ Psychiatrists](https://medpli.com/specialties/psychiatrist-medical-malpractice-insurance/) - [ Radiologists](https://medpli.com/specialties/radiologist-medical-malpractice-insurance/) - [ State Buying Guides](https://medpli.com/states/) - [ About](https://medpli.com/about-us/)[ Staff](https://medpli.com/about-our-staff/) - News & Blog[ In The News](https://medpli.com/news/) - [ Privacy Policy](https://medpli.com/privacy-policy/) - [ Contact Us](https://medpli.com/contact-us/) Telephone: [800-969-1339](tel:800-969-1339) Email: [info@medpli.com](mailto:info@medpli.com) MEDPLI Insurance Services 1740 Innovation Drive, Ste. 44 Carbondale, IL 62903 [](https://medpli.epaypolicy.com/) *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](https://medpli.com/privacy-policy/) [LinkedIn](https://www.linkedin.com/company/medpli-professional-liability-insurance)[Facebook](https://www.facebook.com/Medpli/)[YouTube](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[Instagram](https://www.instagram.com/medpli/)[X](https://twitter.com/MedpliMax) [Page load link](#) 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](https://medpli.com/medical-malpractice-payouts-by-state/)** 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](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/#:~:text=claim%20is%20submitted.-,2.%20Do%20Occurrence%20and%20Claims%2DMade%20Policies%20Offer%20Different%20Benefits%3F,-As%20you%20decide)**. There are four common instances when it’s needed: - When You’re Leaving a Claims-Made Policy - When Switching Insurers or Jobs - When Retiring or Closing a Practice - 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](https://medpli.com/contact-us/)** who knows how to navigate the fine print and ensure you’re protected. × Get a Quote Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)Stay informed and protect your practice- Sign up for our newsletter to get our analysis on premium trends, coverage options, and important carrier updates. 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