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NOTICE This Professional Liability Coverage is Provided on a Claims Made Basis Therefore, Only Claims Which Are Form

NOTICE This Professional Liability Coverage is Provided on a Claims Made Basis Therefore, Only Claims Which Are Form

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[Music] hi my name is sean liverman i'm a senior business development executive with the medical society of virginia insurance agency i'm joined today by carolyn godby senior vice president of the insurance agency so carolyn in other videos we talked about the differences between a claims-made form and an occurrence policy form what we haven't talked about are the advantages and disadvantages of one over the other in particular why are medical malpractice policies most often found on a claims-made policy form well to understand why it helps to understand an insurance term called ibnr or incurred but not reported as we recall an occurrence form responds to medical incidents that are that occurred within its policy period even if these incidents are not reported until many years down the road i think i understand where you're going so the rates for an occurrence policy must somehow include these future incidents in other words we could refer to these claim

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