What is the Tail Malpractice Insurance Calculator?

Our Tail Malpractice Insurance Calculator is a quick and easy tool designed to help doctors estimate the cost of tail insurance when they leave a job for their practice. By factoring in variables like your annual premium, the state where you practiced, and your specialty—whether you’re an OBGYN, surgeon, or physician—it provides a starting point to understand your potential costs. Tail insurance typically costs around two times your yearly premium, but these estimates can vary based on your unique circumstances. The tail insurance calculator takes the guesswork out of the equation, giving you a clearer picture of what to expect.

Get a Free Tail Insurance Estimate Today!

Once you’ve filled out the tail calculator with your specific information, our team will reach out to give you a personalized tail insurance estimate. Whether you’re transitioning to a new job or preparing for retirement, our tail insurance specialists will help you find the right coverage to protect your future and give you peace of mind during this important next step.

How the Tail Insurance Calculator Works

Our tail insurance calculator provides a straightforward estimate of the additional premium you’ll need to cover claims made after your policy ends. Here’s the simple formula we use:

• Estimated Tail Premium = Current Annual Premium × 2.0.
• That “2.0” factor represents the typical cost multiplier for securing extended reporting coverage. It may vary depending on your specific situation—this is a starting point to give you a sense of range.

Key Factors That Influence Your Estimate

Multiple Tail Insurance Quotes

Our tail specialists have access to all major carriers offering stand-alone tail coverage. By obtaining quotes from each, we ensure you get the lowest price

Claims History

A track record of past claims can raise or lower the multiplier applied.

Coverage Limits

Higher liability limits require more premium to protect you over the extended period.

Retroactive Period

The length of time your tail policy must cover (for example, reporting claims filed up to seven years after your policy ends).

Industry Risk Profile

Certain professions or specialties carry higher exposure, which affects the calculation.

Carrier Guidelines

Different insurers use their own actuarial tables and loss-cost data to refine the multiplier.

Why It Matters

Without adequate tail coverage, you could face out-of-pocket costs for claims made after your policy expires. Knowing an estimated premium helps you plan your budget and avoid coverage gaps that might leave you exposed.

A Note on Your Estimate

This calculator offers a general estimate only. For a more specific and accurate assessment tailored to your unique requirements, please click “Submit” after filling out the form. We’ll review your policy details and claims history to refine your estimate and recommend the best coverage options for your practice.