What is the primary focus of claims-based malpractice insurance?

Claims-based malpractice insurance primarily focuses on events that occur during the coverage period. This means that the policy covers any claims that are made for incidents arising from professional services rendered while the insured was covered by the policy. If a patient files a lawsuit for alleged negligence related to care provided during this specified window, the insurance will respond to cover the legal costs and any resulting settlements or judgments, as long as the incident falls within the insured's coverage period.

Understanding this concept is crucial for healthcare professionals, including physician assistants, as it emphasizes the importance of maintaining continuous coverage. If a provider were to switch insurers or let their coverage lapse, they may not be protected for claims related to past patient interactions, depending on the claims-made policy terms. This aspect reinforces the necessity of ensuring that coverage is active for the duration of their professional practice.