Extended Reporting Period

Business Insurance

Tail Coverage—Cost and When It Is Needed
Byislandinsurancegroup September 22, 2026September 22, 2026

Medical malpractice tail coverage can cost as much as a full annual premium—and sometimes substantially more. Many physicians do not discover this expense until they are changing jobs, retiring, closing a practice or moving to another malpractice carrier. Tail coverage is formally known as an extended reporting period, or ERP. It does not cover new…

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Business Insurance

Medical Malpractice Tail Coverage for Physicians: When Do You Need It?
Byislandinsurancegroup September 7, 2026September 7, 2026

Medical Malpractice Tail Coverage for Physicians: When Do You Need It? Tail coverage is one of the most misunderstood parts of physician malpractice insurance. Doctors frequently encounter it when they: leave an employer, change practices, switch carriers or retire. And depending on the physician’s specialty and coverage history, the financial consequences can be significant. The…

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