Stand-alone Tail Coverage is necessary if a doctor (or doctor’s employer) has a “claims-made” policy, terminates that policy and does not replace it with a new policy that incorporates the tail exposure. A claims-made policy covers the physician for claims of malpractice made during the term of the policy. Because a claim can be made months or years after a patient was last treated, there is the chance to be sued after the policy expires. However, that would only be covered if you attach a tail to the terminated claims-made policy.