Physician Contract Glossary · Malpractice & Insurance
Prior Acts Coverage
Prior acts coverage, or nose coverage, protects you for incidents that happened before a new claims-made policy started.
Prior acts coverage, sometimes called nose coverage, is the mirror image of tail. When you start a new claims-made policy, prior acts coverage extends it backward to cover incidents from before the new policy began, so you may not need to buy tail from your old carrier. A new employer sometimes provides it as a recruitment benefit.
When changing jobs, compare buying tail from your old policy against getting prior acts coverage from the new one. If the new employer offers nose coverage, it can save you the tail premium entirely, so ask before you pay for tail.
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