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What is prior acts coverage in Physician and Surgeon Medical Malpractice Insurance?


If a physician switches medical malpractice insurance carriers, it is customary for the new medical malpractice insurance carrier to provide “prior acts” coverage for the physician. This means that the new medical malpractice insurance carrier uses the same retroactive date as the previous medical malpractice insurance carrier so the physician’s coverage is seamless. Now, any claim which arose from “prior acts”– when the physician was insured with the prior medical malpractice insurance carrier — will be covered by the new medical malpractice insurance carrier. This action eliminates the need for the physician to purchase a “tail” policy from the first medical malpractice insurance carrier upon cancellation of their policy.

Barbara Gracey Backer


Barbara Gracey Backer is the Vice-President of Gracey-Backer, Inc., an Insurance Agency in Delray Beach, Florida specializing in All Lines of Professional and Personal Insurance. She may be contacted at 800-272-6055 X118 or at barbara@gbifl.com.

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