Occurrence Based Coverage: Liability insurance coverage for events that occur during the period in which  the policy is in force regardless of when a claim is filed. Occurrence based coverage eliminates the need for the insured to purchase a "tail" if and when the policyholder elects to change malpractice insurance carriers, for whatever reason. Previously very common, yet today very few insurance providers are willing to take on potential exposure to a malpractice claim for an unlimited time. PRF has offered occurrence based coverage since its inception and is one of the few insurers that  continues to provide its policyholders with this level of protection at no additional cost.