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Tail coverage

Purchased when your claim-made policy ends 

A type of supplemental coverage, tail coverage is purchased when your claims-made policy is canceled or non-renewed. Tail coverage continues insurance protection under your claims-made policy for claims reported in the future that occurred when your policy was in force. Tail coverage can be expensive because it continues coverage into the future. (Tail coverage is also known as a reporting endorsement.)

TMLT offers free tail coverage to physicians who:

  • are 50 years of age or older;
  • have been continuously insured with TMLT for 5 years or more; and
  • cancel their policy due to complete retirement from the practice of medicine.

TMLT waives the tail premium if the physician dies or retires due to medical disability.