Claims Made vs. Occurrence

Claims made policies generally cover incidents and events that both happen and are reported to us while you have a policy with The Doctors Company. You may request a retroactive date to allow you to report to us claims that arise out of incidents that took place previously while you were insured elsewhere. You can also purchase extended reporting, or tail, coverage which will allow you to report claims that arise out of incidents occurring after your retroactive date but before you ended your policy with us but which are reported after you end your coverage with us.

Occurrence policies cover incidents that happen while you were covered by a policy issued by The Doctors Company, but can be reported anytime (even if you no longer have a policy with us).