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Extended Reporting Period, or Tail, Coverage for Medical Malpractice Insurance: Common and Costly Misconceptions
For many medical professionals, extended reporting period (ERP) coverage, commonly referred to as “tail coverage,” is a vaguely familiar term that they may associate with job change or retirement. Tail coverage extends the period of time during which a claim can be reported to the insurance carrier on a canceled claims-made medical professional liability insurance policy. The extension may be indefinite, or it may be for a predetermined term.

Professional Education
You Have Been Served with a Malpractice Lawsuit or a Regulatory Action Notice: Now What?
Malpractice litigation and government regulatory and licensing oversight are inherent aspects of licensed healthcare professionals. The concern regarding malpractice litigation is well-founded, and regulatory and licensing actions can pose significant challenges. Therefore, clinicians must be prepared and knowledgeable about navigating legal notices and taking appropriate steps to ensure compliance. By participating in this program, they can effectively mitigate the impact of claims, complaints, or regulatory actions and safeguard their practice.

Robert DeSimone
Bob DeSimone is president of The Doctors Insurance Agency in Solana Beach, California. Bob has worked in the medical malpractice insurance business for 25 years.

Disclosure Resources
Practitioners can use these guidelines to help mitigate liability risks when disclosing adverse events and complications.

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