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not all indemnity policies are the same there are two types occurrence based and claims made [Music] claims made cover typically says that you are covered while youre paying for the policy after you stop paying the cover stops so you will need to purchase additional runoff cover annually long after youve stopped performing dentistry [Music] occurrence based cover provides perpetual indemnity for treatments provided during that policy period this means if an incident took place during the policy period youll be covered it does not matter when the claim is made against you you