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nonpracticing extension

An extended reporting period (ERP) endorsement used with claims-made policies, sometimes granted by professional liability insurers when an insured retires, dies, or becomes disabled. There is no charge for such endorsements, and they are most commonly found in policies written to cover doctors, lawyers, and accountants. Eligibility for such provisions usually requires the insured to have been covered by the insurer for a minimum of 5 years.

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