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Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Personal Injury Law
Satisfied Customers: 118722
Experience:  Licensed Attorney. Over 20 years experience in personal injury and law enforcement.
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I am purchasing a malpractice tail - is there anything I should

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I am purchasing a malpractice tail - is there anything I should ask before I agree? I was an employee physician in a small practice, so my employer was not going to cover the malpractice tail.
Thank you for your new question. I look forward to working with you again.

You need to read the tail and find out what it covers. The tail is under the small practice's policy, so you need to make sure it provides you representation and coverage in the event of a claim and not just coverage for the practice alone. Most of these tails are standard though and they cover both the individual doctor and the practice and if the defenses differ the insurance will provide separate counsel for the physician. However, you have to really read the policy.

An indemnity clause is one where one party agrees to cover the other parties losses in the event of a suit, so if it says you are indemnifying the practice, that means you are going to pay damages of the practice if you lose a case and you need to make sure the policy covers that as well and if it does not you need to get a separate umbrella policy to cover you for the indemnification.

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