MedPro Insurance Services [FAQs - Medical Professional]



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Specified Medical | Medical Professional

ť What is medical professional liability insurance?
ť What is an occurrence policy?
ť What is Claims-Made coverage?
ť What is an Extended Reporting Rider or a "tail?"
ť I've had difficulties getting insurance in the standard market. Can you help me?

What is medical professional liability insurance?
Also called medical malpractice insurance, medical professional liability insurance protects a healthcare practitioner from errors or adverse events arising from the practice of medicine. There are two types of medical malpractice policies available - occurrence and claims-made.

What is an occurrence policy?
An occurrence policy protects the insured, up to the coverage limits, against professional liability claims arising from incidents that occur when the policy is in force, regardless of when the claim is reported. It is not necessary to purchase tail coverage when an occurrence policy is cancelled.

What is Claims-Made coverage?
A Claims-Made policy will cover you for incidents that happen between the enrollment date and expiration of your policy, but claims must be reported while the policy is in force. An Extended Reporting Endorsement, or "tail", is necessary to protect against claims presented after the policy expires.

What is an Extended Reporting Rider or a "tail?"
An extended reporting rider or "tail" allows you to stop your policy, but still have coverage for future claims that are made based on events that occurred during the time period your policy was inforce. A "tail" protects you for practice activities during the time that your policy was in force. If you retire, or if you become disabled or die, the "tail" is offered to you at no cost.

I've had difficulties getting insurance in the standard market. Can you help me?
Yes, we not only have access to standard market insurance carriers, but also the non-standard (surplus) markets who specialize in writing risks that others may have declined.