Claims-made often starts cheaper and steps up over time; occurrence costs more annually but can simplify exits.

Do I always need tail?

Tail applies to claims-made policies when you cancel or switch without prior acts. Occurrence policies do not require tail.

Yes. Maintain your retroactive date with the new carrier or purchase tail from the prior carrier to avoid gaps.

Does this apply to GL too?

General Liability is commonly written on an occurrence form. The claims-made vs occurrence decision is most relevant to malpractice.

They usually specify limits and COIs, less often the policy form. If they require a specific form, follow the contract or request a rider.

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