How long after retirement do I need to carry malpractice insurance?

By | 2022-02-23T14:32:19-05:00 January 4th, 2013|2 Comments


Dear Donna,

I am an RN, and I carry malpractice insurance. I have not had any problems. For the past 17 years, I was on staff in postanesthesia care. How long after full retirement should I carry this insurance?

Am I Covered

Dear Donna replies:

Dear Am I Covered,

This depends on your individual policy. Some policies are occurrence based, meaning coverage will be available at the time of a lawsuit, regardless of whether the policy still is in effect. If you do not have this type of policy, you likely can get a “tail” policy to cover you in case something comes up after you are no longer working. A simple phone call to your agent or carrier should clear this up for you. Also, you should read your policy to see whether this is explained.

Best wishes,


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  1. Avatar
    Judy November 21, 2016 at 1:39 am - Reply

    I retired as a pyschiatric staff nurse in a hospital setting after 38 years. Do I still need to carry malpractice insurance to cover my past I have never been sued and have a great record.

  2. Avatar
    Carolyn October 13, 2021 at 5:08 pm - Reply

    I am a retired expert witness (forensic document examination), and I have been unable to find out how long to carry tail end liability insurance. I have asked a number of lawyers, other retired experts, and insurance people (including my own agent), and NO ONE could give me an answer. I’ve been carrying it for two years, and would like to drop it. Can you tell me how long I should carry it? I’ve never had to put in a claim of any kind in all the years I had the insurance.

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