Malpractice Tail Coverage for Physicians: Complete Guide
Tail coverage (also called an extended reporting endorsement) is one of the most important and misunderstood provisions in a physician employment contract. This guide explains how it works and how to negotiate it.
- Occurrence vs. claims-made malpractice policies — why it matters
- Who pays for tail coverage when you leave a job
- How much tail coverage costs (typically 1–3x your annual premium)
- How to negotiate for employer-paid tail in your contract
- Tail coverage triggers: resignation, termination, and retirement