There are two basic types of Malpractice Insurance
“Occurrence”—Covers you if the insurance was in force when the incident happened.
“Claims Made”—Covers you if the insurance is in force when the lawsuit is filed, coverage can be extended with the one-time payment of a fee, a.k.a “a tail.”
When evaluating an engagement with a telemedicine provider, “occurrence” coverage is the gold standard. If your prospective employer offers occurrence coverage, that’s golden.
If they offer anything short of that—say, claims made without a tail—you might want to think long and hard about working with them.