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The Cinch Medical Malpractice policies for healthcare professionals offer both the Claims Made and Occurrence options. For non-healthcare professionals, the policies are all Claims Made. Read on to learn more about these two terms:
Occurrence coverage protects you from any covered incident that occurs during the policy period, regardless of when a claim is filed. You could report a “claim” years later for an incident that happened during the policy period.
Claims-Made coverage protects you from incidents that occur or allegedly occur before the expiration of the policy period and after the retroactive date shown on the Declarations, but only if the “claim” is first made against you during the “policy period” or “extended reporting period”, if applicable.