Extended Reporting Period (ERP / Tail Coverage)
Definition. Extended Reporting Period (ERP) — also called Tail Coverage — extends the claim-filing window after a Claims-Made policy ends. Critical for Pro Liab when retiring or switching carriers.
Also known as: ERP, Tail Coverage, Tail
Common durations: 1 yr, 3 yr, 5 yr, lifetime. Cost typically 100-200% of annual premium for full ERP. Without ERP, any future claim about past work is uncovered once the Claims-Made policy ends.
Example
Architect retires in 2025; buys lifetime ERP for $20K (200% of $10K annual premium). In 2030, client sues over a 2022 project. ERP covers the claim.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
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