THE ADVANTAGE PROGRAM FOR
Stand-Alone Tail
An alternative medical
professional liability
coverage protecting…
practioners
professionals needing dual-practice coverage
Healthcare professionals who are insured by their main employer but take on additional work in different settings can use Stand-Alone Tail coverage to protect themselves. This ensures they are covered for any claims that arise from their moonlighting activities, even if these are not covered by their primary policy.
retiring physicians needing protection from future claims
Physicians who are retiring can benefit from Stand-Alone Tail coverage, which provides ongoing protection for claims that surface after their original policy expires. This is crucial for ensuring they are not financially liable for past procedures, even after they’ve stopped practicing.
professionals changing employers or carriers
When a healthcare professional switches employers or insurance providers, there can be gaps in coverage. Stand-Alone Tail coverage bridges this gap, offering protection for any claims related to incidents that occurred under the previous employer or policy.
professionals with short-term contracts
Healthcare professionals working under short-term contracts or temporary assignments may not have long-term coverage through their employer. Stand-Alone Tail coverage ensures they remain protected from any future claims arising after their contract ends.
The Market
BY THE NUMBERS
Extended Protection with Stand-Alone Tail Coverage Options
When your clients need ongoing protection for claims that arise after their original professional liability coverage has expired, COPIC’s Stand-Alone Tail Insurance, available exclusively through Western Summit, provides a comprehensive solution. Unlike traditional tail coverage, which typically must be purchased from the same carrier that provided the initial claims-made policy, COPIC’s offering allows brokers to source this coverage independently, offering flexibility in securing the best terms for their clients. With competitive premiums and the option to extend reporting for 1, 3, 5 years, or even an unlimited period, this coverage ensures that your clients remain protected against claims from past professional services, without the constraints often associated with incumbent carriers. COPIC’s financial stability, demonstrated by its A.M. Best “A (Excellent)” rating, further guarantees that your clients are backed by a trusted and reliable insurer.
Healthcare coverage is all we do
For over three decades, Western Summit has dedicated itself exclusively to medical professional liability. Our singular focus has forged deep relationships with top-tier A rated carriers, giving agencies unparalleled access to innovative programs and nationwide competitive markets. With seasoned underwriting expertise, strategic carrier advocacy, and rigorous market insights honed across complex healthcare lines, we deliver precise solutions that address every risk profile—solidifying our reputation as the definitive partner in healthcare coverage.
We can help source comprehensive and competitive coverage options for you.
Limits of Liability
Maximum limit of $1M/$3M maximum limit- Competitive premiums
- Options for coverage for corporations and employees upon request
UNLIMITED REPORTING OPTIONS
1 , 3, 5-yearFIRST DOLLAR COVERAGE
$0 deductibleDEFENsE COSTS
Defense costs are outside of policy limit.
Availability
This program is available in most states.The list of states are subject to change.COVERED PROCEEDINGS
$25,000 limit for defense cost coverage for governmental investigations, medical board inquiries, disciplinary proceedings, and billing fraud and abuse investigations.
Everything you need to know in one place
Additional coverage options
- General Liability coverage
- Prior acts coverage: available, subject to underwriting approval.
- Prior acts Additional insureds with shared limits, subject to underwriting approval. coverage: available, subject to underwriting approval.
- Medical Director/Supervising or Collaborating Physicians, subject to underwriting approval.
- 50% Part-Time Premium Credit if working 20 hours or less per week. Subject to minimum premium requirement.
- Suspension of premium for military or medical leave. Subject to minimum premium requirement.
- Extended Reporting Period (Tail Coverage): An offer to purchase Tail Coverage is part of the cancellation process for claims-made policies. The length of the Extended Reporting Period is unlimited, or upon exhaustion of policy limits.
- Slot coverage
