First rule of panel tabs: keep them away from connectors.
Many small quantity PCBs are ordered individually cut. They come to the assembler as a set of unconnected boards. For small quantities of reasonable size boards, it makes the most sense to order them this way. However, for really small boards, and larger quantities (for example, 50 or more), purchasing boards in a panel (also called an array) is more appropriate. It reduces errors and assembly time.
There are a few additional factors to consider with panelized boards:
Some components, such as certain connectors, have protrusions that will keep them from lying flat on a panel tab. In all cases, even without the protrusions, the operation of separating the panels with a component on the tab can weaken the component solder joints, or even pop them off the board completely.
FIGURE 1 shows how not to do it. Instead, make sure the tabs don’t end up under an overhanging component. Move the tab, as in FIGURE 2.
I asked our partner company, Sunstone Circuits, how to control where the tabs will be placed. They suggested putting this instruction in the document layer of the CAD file, or in a separate document covering fabrication instructions. In the CAD image (FIGURE 3), the overhanging component has a keepout area. The document layer has instructions to keep panel tabs out of the area.