Guides · Free tool
Malpractice Tail Coverage Calculator
If you leave your job, how much of your malpractice tail does your employer cover, what would you owe, and when does full employer coverage vest? Enter your terms — everything runs in your browser; nothing is saved or sent.
| After completing… (years) | Employer covers |
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How this works
A claims-made policy only covers a claim if it's reported while the policy is active. When you leave, you need tail coverage (an extended reporting endorsement) so claims filed later — for care you gave while insured — are still covered. Occurrence policies never need tail. Many employers agree to pay the tail on a vesting schedule: their share rises with your years of service, often reaching 100% after a set number of years. This tool applies your schedule to a departure date so you can see your share before it's a surprise.
New to the concepts? Read Claims-Made vs. Occurrence Malpractice Insurance (and What Tail Coverage Is).
Educational tool only — not legal, financial, or insurance advice. Tail cost and vesting terms vary by carrier and contract; confirm the exact numbers with your insurer and your written agreement. Estimates assume completed years of service.