What type of malpractice insurance protects a physician for claims made after the policy has expired?

Occurrence-based insurance is designed to provide coverage for claims made for incidents that occur during the policy period, even if the claim is filed after the policy has expired. This means that as long as the event leading to the claim happened while the insurance was in effect, the insurer will cover the costs, regardless of when the claim is made. This type of policy offers lasting protection against claims that arise from incidents that occurred during the insured period.

In contrast, claims-made insurance only covers claims that occur and are reported while the policy is active. If a policy lapses or is canceled, any claims arising from incidents that occurred before the expiration of the policy may not be covered unless an extended reporting period (tail coverage) is purchased. The other options, such as part-time and temporary insurance, do not refer to standard types of malpractice coverage recognized in the context of protecting against future claims after a policy has expired.