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Q: What is "Tail Coverage" or an "Extended Reporting Endorsement"?

An extended reporting endorsement, commonly called "tail coverage" or a "tail", is an endorsement modifying the terms of the last renewed Claims Made policy. For a one time additional premium, the endorsement typically provides an open-ended period for the reporting of claims after the expiration of the policy, subject to its terms, conditions and limits of liability.

Claims Made Policy with Extended Reporting

This type of insurance policy has been adopted by many insurance carriers and has been given a few different names, such "Occurrence Plus". However, it is truly a Claims Made policy. The difference is in the fact that the coverage for a Claims Made Policy with Extended Reporting is based on the Claims Made type of policy and that the Tail Coverage portion, or Extended Reporting period, is charged to you within the premium amount you pay each year. With a pure Claims Made policy the tail is not included. With a pure Claims Made policy the tail is optional and you are reserved the right to purchase it in this type of policy. However, you would need to purchase the tail if you decide to transition from a Claims Made policy to an Occurrence policy.

*The information found within this website is not deemed to be complete for every situation and is not a substitute for professional legal or insurance advice. It is an overview of some of the more common insurance terms and scenarios that may arise in certain instances regarding Medical Professional Liability insurance. The examples and models set forth in this website are for illustrative purposes only; to address specific concerns, please contact PLIG of SJ. Please be advised that you should always consult with the appropriate professionals to fully evaluate your individual situation as it pertains to insurance coverage. No reliance should be placed on the information contained on this website unless independently verified by PLIG of SJ. PLIG of SJ cannot, and does not, offer legal advice of any kind.

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