What is "Tail Coverage?"

Under a Claims-Made Policy, you have the option to purchase an Extended Reporting Endorsement or "Tail Coverage." This coverage allows claims to be reported for an unlimited time, as long as the alleged incident occurred on or after the retroactive date but before termination of the policy.

Buying tail coverage is a one-time purchase, does not expire and cannot be cancelled by you or the insurance company who issues it. In most cases, tail coverage through NCMIC must be purchased within 60 days after your claims-made policy terminates, and may not be available if your policy was cancelled due to non-payment of premium. NCMIC provides tail coverage at no additional charge after 10 years of continuous coverage.

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The NCMIC Malpractice Insurance Plan is underwritten by NCMIC Insurance Company. In the states of Florida and New York, the NCMIC Malpractice Insurance Plan is issued by NCMIC Risk Retention Group, Inc.

The terms and conditions of NCMIC's Malpractice Insurance Plan are fully explained in the policy. Policy features vary by state and may be subject to underwriting approval. For details, view this pdf.