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There are primarily two types of malpractice insurance policies: occurrence-based and claims-made.

- **Occurrence-based policies** cover incidents that occur during the policy period, regardless of when the claim is filed. This type offers long-term security as it protects you even after the policy has expired.

- **Claims-made policies** only cover claims made while the policy is active. To maintain coverage after the policy ends, you may need a tail coverage, which can be an additional expense but is crucial for ongoing protection.