Frequently Asked Question:

What is the difference between claims-made and occurrence malpractice insurance?

Insurance Type
Related Industries
Healthcare Services
Related Coverages
Medical Malpractice

The Short Answer

Claims-made covers claims filed while your policy is active. Occurrence covers incidents that happened during the policy period, even if the claim comes years later.

The Full Answer

The difference is the trigger. A claims-made policy responds only if both the incident (after your retroactive date) and the claim happen while the policy is in force. Cancel it, and claims filed afterward aren’t covered unless you buy tail coverage.

An occurrence policy locks in coverage for anything that happened during that policy year. A patient could sue five years later and that old policy still responds.

Claims-made is cheaper in the first few years and is the more common form. Occurrence costs more up front but leaves nothing to buy when you leave. If you expect to change jobs or states, that matters.

Related Questions

Yes — liquor liability requirements are based on whether a business serves alcohol for profit, not which type of alcohol it pours, so beer- and wine-only restaurants carry the same dram shop exposure as a full bar.

Often yes, but only if the illness resulted from an incident rather than an ongoing exclusion in the policy — most standard general liability policies cover bodily injury from a single contaminated batch or ingredient, subject to the policy’s terms.

Liberty does not currently insure inflatable equipment such as bounce houses. Liberty can discuss coverage for the rest of your rental inventory.

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