Tail coverage isn't what you think . . . Mostly used in P&C and pertains to runout claims. Those incurred while the policy was in effect but not submitted until after the policy terminates. Health insurance is generally considered short tail coverage since claims submitted more than 6 months after the end of the policy (generally) are not eligible for reimbursement. WC is long tail. Claims are tied to the individual and the incident that created the claim. Joe is injured on the job in 2010 but is still receiving treatment and/or payout 7+ years later. Those claims are charged against the 2010 policy.