What Happens to Your Professional Malpractice Insurance Account When You Die
Quick Facts
Tail coverage
May be needed — do NOT cancel
Claims
Can be filed years after death
Cost
Tail coverage is a one-time premium
Step-by-Step Guide
Contact the malpractice insurance carrier
Notify the insurance carrier of the death. Do NOT cancel the policy. Ask about tail coverage (also called an extended reporting period endorsement).
Evaluate tail coverage
Tail coverage extends the reporting period for claims that arise after the policy ends. For professionals who served clients or patients, claims can surface years after death. This protects the estate.
Purchase tail coverage if needed
If the policy is claims-made (not occurrence-based), purchase tail coverage. The cost is typically 1-2x the annual premium as a one-time payment. This is an essential estate protection expense.
Document Now Checklist
- Insurance carrier and policy number
- Policy type (claims-made vs. occurrence)
- Coverage limits and deductible
- Policy expiration date
- Tail coverage cost estimate if available
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Professional Malpractice Insurance. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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