What type of policy would most likely include a provision for tail coverage?

The type of policy that would most likely include a provision for tail coverage is claims-made malpractice insurance. Tail coverage is specifically designed for claims-made policies, which provide coverage for claims that are made during a specific period, typically while the policyholder is actively insured.

Once a claims-made policy is terminated, any claims that arise from incidents that occurred during the policy period but are reported afterward would not be covered unless tail coverage is purchased. Tail coverage serves as an extension that allows the insured professional to remain protected against claims made after the policy has expired for incidents that occurred while the policy was active. This is critical for professionals in fields such as medicine or law, where the risk of future claims can remain long after the services were rendered.

In contrast, whole life insurance and term life insurance generally do not involve the same principles as claims-made policies, as they do not cover liability claims arising from professional services. Universal health insurance focuses more on providing health coverage rather than liability protection and does not include provisions related to professional liability or the need for tail coverage.