Serving the Insurance Needs of Physicians, Medical Groups and Hospitals Across the USA

 Print 

If you change insurers, be sure to take measures to prevent coverage gaps. Either purchase run-off ("tail") coverage from the old carrier or buy prior acts ("nose") coverage from the new one. Prior acts or retroactive coverage is accomplished by setting the retroactive date back to the original effective date of your first policy. It's also called retroactive coverage.