Tail coverage protects a healthcare professional against all claims arising from professional services performed when the Claims-made policy was in effect, but the claim was reported after termination of the policy. Since Claims-made policies do not cover claims made after the termination of the policy, you are required to secure “tail” coverage (an extended reporting endorsement) when you move your coverage from one carrier to another or stop practicing. If a claim is made against you, and you have cancelled a Claims-made policy, you have no coverage unless you have either secured tail coverage or your new carrier covers your prior acts back to your retroactive date. If you switch to a MedPro policy from another carrier, the majority of healthcare professionals will qualify for free tail coverage after they retire (if mature Claims-made) if they have been insured with MedPro for at least one year. Occurrence policies do not require tail coverage.