This is not quite correct on the specifics. In the US, insurers write both claims-made and occurence policies. Your description of US med mal policies is an occurence policy, but I believe most med mal / professional liability coverage is claims made. In contrast, US car insurance is at least generally occurence. One needs to consult the specific insurance contract in question.
This is not quite correct on the specifics. In the US, insurers write both claims-made and occurence policies. Your description of US med mal policies is an occurence policy, but I believe most med mal / professional liability coverage is claims made. In contrast, US car insurance is at least generally occurence. One needs to consult the specific insurance contract in question.
See generally https://www.thehartford.com/business-insurance/claims-made-vs-occurrence, a large US insurer who writes both kinds