Understand the reporting basis
Ask whether the protection is claims-made, occurrence-based or another arrangement and what that means for notification. Discuss retroactive dates, known circumstances and reporting provisions using the actual proposed wording. Policy names alone do not explain how prior work is treated.
How would an allegation about a session before the new start date be handled?
Plan for a pause or retirement
A practice closure does not mean all future allegations disappear. Ask about ongoing notification duties, record arrangements and any extended reporting options. Obtain a clear explanation before cancelling, retiring or changing providers, and disclose matters the application requires.
What needs to remain in place when I stop seeing clients?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Qualifications and professional requirements
- Therapies and client territories
- Virtual consultation and records platforms
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.