Occurrence Insurance

Business Insurance

Claims-Made vs. Occurrence Malpractice Insurance: What’s the Difference?
Byislandinsurancegroup September 14, 2026September 14, 2026

Choosing between claims-made and occurrence malpractice insurance is not simply a matter of selecting the policy with the lowest annual premium. The two policy forms determine when coverage is triggered, what happens when you change carriers and whether you may need tail coverage after a policy ends. A policy that appears less expensive today could…

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Business Insurance

Claims-Made vs Occurrence Malpractice Insurance: Physician Guide
Byislandinsurancegroup September 7, 2026September 7, 2026

Claims-Made vs Occurrence Malpractice Insurance: What Physicians Need to Know One of the most important decisions in medical malpractice insurance is not simply which carrier to choose. It is understanding how the policy responds to claims. Two common structures are: claims-made coverage and occurrence coverage. The distinction can have significant implications when physicians change employers,…

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