Generally speaking, occurrence coverage is simpler and more consumer-friendly than claims-made coverage. In most cases, we would recommend an occurrence policy over a claims-made policy. We also recognize that every acupuncturist’s situation is different.
If your current coverage is provided on a claims-made basis, it is important for you to purchase a tail coverage from your current professional liability insurance company.
Tail coverage, also known as an Extended Reporting Period Endorsement, ensures that you will be covered for future reported claims resulting from services rendered while you were covered under your prior claims-made policy.
Meri Acupuncture does not offer Claims Made coverage or Tail coverage for your prior Claims Made exposure.
Occurrence coverage means claims will always be covered as long as the event causing the claim happened during the policy period.  Essentially as long as the service was rendered, during the policy period, there is coverage.
If you have questions about your current policy or have questions about tail coverage, please contact us by phone at (844) 641-6374 or by email at acupuncture@meriinsured.com. We welcome the opportunity to be of service!