Tail coverage is only applicable when a Claims-Made policy cancels or terminates. If you have an Occurrence policy you DO NOT NEED TAIL COVERAGE. The Tail is an insurance industry term for “Extended Reporting Period Endorsement”. The Tail allows the insured to report claims that occurred during the claims-made policy term but were not made until after it was cancelled or terminated. Since most malpractice claims are made 18 – 24 months after the incident it is important you purchase Tail coverage if your claims-made policy cancels or terminates. This can be a complicated subject for non-insurance professionals so please contact a service professional with ANY questions.