{"id":438,"date":"2026-07-20T14:48:21","date_gmt":"2026-07-20T13:48:21","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=438"},"modified":"2026-07-20T14:48:24","modified_gmt":"2026-07-20T13:48:24","slug":"whats-claims-made-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/whats-claims-made-insurance","title":{"rendered":"What&#8217;s claims made insurance?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-blog-image-istock-edit.png\" alt=\"Claims made insurance covers claims made during the policy period, regardless of when the incident occurred\" class=\"wp-image-28136\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-blog-image-istock-edit.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-blog-image-istock-edit-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">One of the&nbsp;confusing&nbsp;things about&nbsp;business&nbsp;insurance is&nbsp;jargon.&nbsp;It\u2019s&nbsp;everywhere.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity insurance<\/a>&nbsp;(PI), for example.&nbsp;Or&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/medical-malpractice-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">medical malpractice insurance<\/a>. Among their many important features is the fact they&#8217;re &#8216;claims made&#8217; rather than claims-occurring policies. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unfamiliar phrases, certainly. But to understand these words is to understand an&nbsp;essential part of your cover.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What does &#8216;claims made&#8217; mean?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With a\u00a0claims\u00a0made\u00a0policy,\u00a0for a claim against you to be covered,\u00a0<a href=\"https:\/\/www.policybee.co.uk\/blog\/what-does-negligence-mean\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>your\u00a0insurance\u00a0has to\u00a0be in force at two points:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>when you did the work,\u00a0and\u00a0<\/li>\n\n\n\n<li>when a claim about it is made.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Professional indemnity&nbsp;is mostly concerned with work you\u2019ve already done, as that\u2019s where&nbsp;the majority of claims come from.&nbsp;You&nbsp;can&#8217;t&nbsp;be sued for a mistake you&nbsp;haven&#8217;t&nbsp;made yet \u2013 and&nbsp;it can take months or even years for problems&nbsp;with your work&nbsp;to arise.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Similarly, medical malpractice (sometimes called\u00a0\u2018treatment liability\u2019) insurance\u00a0protects you\u00a0when\u00a0you\u2019re\u00a0carrying out\u00a0a\u00a0procedure or\u00a0treatment\u00a0<em>and<\/em>\u00a0afterwards (assuming you keep your cover going).\u00a0Considering that health-related problems can take a long time to surface,\u00a0it\u2019s\u00a0a useful thing to have.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"1024\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit-720x1024.png\" alt=\"With claims made insurance, claims can happen long after the work is completed\" class=\"wp-image-28137\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit-720x1024.png 720w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit-105x150.png 105w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit-768x1092.png 768w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit-1080x1536.png 1080w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/claims-made-insurance-infographic-istock-edit.png 1200w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Which brings us to the really important bit: your \u2018claims made\u2019 insurance only covers you for as long as your policy is up and running.\u00a0And that can create problems\u00a0if you decide to\u00a0cancel\u00a0it\u00a0later down the line&#8230;\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tell me more&#8230;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s&nbsp;say you cancel your PI cover as soon as you finish&nbsp;a contract&nbsp;for a client.&nbsp;Or you stop offering a certain type of treatment and remove it from your malpractice policy straight away.&nbsp;Maybe you\u2019ve&nbsp;stopped trading and\/or retired completely.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;there\u2019s&nbsp;a claim against you, say, two days or weeks after that, it&nbsp;won\u2019t&nbsp;be covered \u2013 even if it relates to work you did when the policy&nbsp;<strong>was<\/strong>&nbsp;in place.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s&nbsp;an eyebrow-raiser for sure, and a common misunderstanding.&nbsp;It\u2019s&nbsp;easy to assume that because you bought and paid for insurance at the time you did the work, any problems with it are covered even after you cancel the policy.&nbsp;That\u2019s&nbsp;not the case, unfortunately&#8230;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">So what&#8217;s the answer?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If&nbsp;you want to&nbsp;make sure&nbsp;you\u2019re&nbsp;still covered&nbsp;for your&nbsp;work&nbsp;after&nbsp;you\u2019ve&nbsp;finished a job or&nbsp;carried out a&nbsp;treatment,&nbsp;there\u2019s&nbsp;one obvious answer:&nbsp;you&nbsp;can&nbsp;keep your insurance running.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is often a tricky one to weigh up \u2013 it could mean&nbsp;paying for&nbsp;cover for years after&nbsp;you\u2019ve&nbsp;completed the work.&nbsp;Or&nbsp;stopped&nbsp;working&nbsp;altogether.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another&nbsp;(and&nbsp;possibly&nbsp;cheaper)&nbsp;option&nbsp;is to&nbsp;add&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/whats-run-off-cover\" target=\"_blank\" rel=\"noreferrer noopener\">run-off cover<\/a>&nbsp;to your policy.&nbsp;Put simply,&nbsp;it\u2019s&nbsp;insurance that starts when you stop.&nbsp;You&nbsp;won\u2019t&nbsp;be covered for any&nbsp;new work that comes in. But&nbsp;you\u2019ll&nbsp;be&nbsp;able to fend off&nbsp;any potential&nbsp;claims from past clients.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How long you&nbsp;keep your run-off&nbsp;cover&nbsp;going&nbsp;after that&nbsp;is up to you.&nbsp;Though&nbsp;it\u2019s&nbsp;worth noting that&nbsp;if&nbsp;you\u2019re&nbsp;an accountant, architect, or a surveyor, your professional body may stipulate how many years&nbsp;you\u2019d&nbsp;need&nbsp;run-off&nbsp;for.&nbsp;It\u2019s&nbsp;always best to check with them before you make any decisions.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What&#8217;s the difference between &#8216;claims made&#8217; and &#8216;claims occurring&#8217; insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Public liability insurance<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers\u2019 liability<\/a>&nbsp;insurance are both claims-occurring policies and work&nbsp;somewhat differently&nbsp;from&nbsp;professional indemnity&nbsp;and medical malpractice&nbsp;insurance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As with&nbsp;PI and medical malpractice, for a claim under one of these policies to be covered, the insurance&nbsp;has to&nbsp;be in force at the time of the incident. Simple enough.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However,&nbsp;it\u2019s&nbsp;the insurer at the time of the incident that covers it, regardless of when the claim is made.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The obvious difference here is that, unlike claims&nbsp;made policies, claims-occurring&nbsp;policies still cover you even after&nbsp;you\u2019ve&nbsp;switched your policy to another insurer. Or even if&nbsp;you\u2019ve&nbsp;cancelled it&nbsp;altogether.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&nbsp;isn\u2019t&nbsp;the case with&nbsp;claims&nbsp;made&nbsp;policies.&nbsp;Making it essential to know exactly what kind of policy&nbsp;you have.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jargon busted<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">So, there we go. That should have made things a little clearer for you. However, we&nbsp;haven\u2019t&nbsp;covered everything to do with&nbsp;the nuts and bolts&nbsp;of&nbsp;keeping your cover going.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s\u00a0<a href=\"https:\/\/www.policybee.co.uk\/medical-malpractice-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">retroactive\u00a0cover<\/a>,\u00a0which\u00a0stretches\u00a0your\u00a0cover\u00a0back\u00a0if\u00a0run-off\u00a0isn\u2019t\u00a0an\u00a0option<a href=\"https:\/\/www.policybee.co.uk\/blog\/whats-retroactive-cover\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.policybee.co.uk\/blog\/whats-run-off-cover\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or you can\u00a0call us up on\u00a0<strong>0345 222 5391\u00a0<\/strong>with any questions.\u00a0We\u2019re\u00a0always\u00a0happy\u00a0to\u00a0clarify\u00a0anything that might sound confusing.\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Image used under license from iStock.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the&nbsp;confusing&nbsp;things about&nbsp;business&nbsp;insurance is&nbsp;jargon.&nbsp;It\u2019s&nbsp;everywhere.&nbsp; Take&nbsp;professional indemnity insurance&nbsp;(PI), for example.&nbsp;Or&nbsp;medical malpractice insurance. Among their many important features is the fact they&#8217;re &#8216;claims made&#8217; rather than claims-occurring policies. Unfamiliar phrases, certainly. But to understand these words is to understand an&nbsp;essential part &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/whats-claims-made-insurance\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,287,129,130],"tags":[45,137,270,299,155,154],"class_list":["post-438","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-more-business-insurance","category-professional-indemnity-insurance","category-public-liability-insurance","tag-claims-2","tag-insurance-explained","tag-medical-malpractice","tag-professional-indemnity-insurance","tag-retroactive-cover","tag-run-off-cover"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>What is claims made insurance?<\/title>\r\n<meta name=\"description\" content=\"Professional indemnity and medical malpractice are &#039;claims made&#039; insurance. 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