Why do I need tail coverage? Claims made policies cover risk as long as the policy is in force. Once the coverage has been terminated, it’s as if no coverage ever existed. When Tail Coverage is purchased, coverage remains in place dating back to your retroactive date through your last day of coverage. How long does the Tail Coverage last? Tail coverage can vary. Some carriers will provide a 1-year, 2-year, or 3-year tail, but better quality policies will provide coverage in p