Advantage Program for Stand-Alone Tail

Advantage Program for Stand-Alone Tail

Stand-Alone Tail Coverage

The Advantage Program for Stand-Alone Tail (SAT) is an alternative for medical professional liability coverage insured under COPIC, a Risk Retention Group (COPIC RRG) and offered through Western Summit, LLC. COPIC RRG’s goal is to develop comprehensive, mutually beneficial partnerships through our products and services and we are excited to offer this program.

Stand-Alone Tail coverage (also known as “Extended Reporting Period”) is a medical professional liability insurance policy offering separate limits of liability at the expiration or cancellation of your claims-made professional liability policy. It provides coverage for claims not previously reported that occurred during your active policy period.


  • Eligible risks*: Solo physicians and physician groups of four or fewer for all specialties except obstetrician, family practice/obstetrician, radiology, neonatology, pediatrics, and pathology
  • Target market: Physicians and practices that have been loss-free for the last seven years
  • We offer competitive premiums
  • This program is offered in most states
  • Options for coverage for corporations and employees upon request


  • Limits of liability: $1M/$3M maximum limit
  • 1, 3, 5-year and unlimited reporting options available
  • First dollar coverage; $0 deductible
  • Defense costs are outside of policy limit
  • Covered Proceedings: $25,000 limit for defense
    cost coverage for governmental investigations, medical
    board inquiries, disciplinary proceedings, and billing
    fraud and abuse investigations

    *Not available to current COPIC insureds.


    Advantage Program is built on the strong, financially stable foundation of COPIC RRG: COPIC Insurance Company is a financially stable company that earned its “A (Excellent)” rating from A.M. Best in 1999 and has maintained it without interruption since, and COPIC RRG carries this same rating.

    Access to trusted experts: As a COPIC RRG insured, you will have direct relationships with our claims department.

    Western Summit LLC is a nationally recognized MGA (Managing General Agent) and Healthcare Wholesaler representing thousands of health care professionals in all 50 states, D.C., and Puerto Rico. They have placed over $500 million in premiums since their inception in 2001.

    For more information, please contact Russ Madio, President, Western Summit

    Direct: 954.724.3910
    Cell: 954.298.8811
    Office: 954.475.0201