Any claim arising from treatment delivered during the uninsured gap is yours personally — the clinic entity may be dissolved, but the DC’s license and personal assets remain exposed. Three concrete risks:
- No tail coverage. If your prior claims-made policy lapses without purchasing an Extended Reporting Period (ERP), claims reported after the lapse are not covered — even for treatment delivered while you were insured.
- State board exposure. Several Southeast state boards require continuous malpractice coverage as a licensure condition. A lapse can trigger a board complaint and license suspension on top of the uninsured claim.
- New-policy underwriting. A lapse of 30+ days typically forces re-underwriting at higher rates, often with coverage exclusions for the uninsured period.
If you’ve had a recent lapse, Bridgeway can usually quote a nose/prior-acts endorsement to retroactively cover the gap. State-specific lapse remedies:
