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Prior acts coverage

Prior acts coverage is insurance protection for incidents that happened before you bought your existing claims-made insurance policy.

What is prior acts coverage?

Prior acts coverage protects you from mistakes you made while insured under a previous claims-made insurance policy. It is sometimes called nose coverage.

Prior acts coverage is included in claims-made liability insurance policies, including errors and omissions, professional liability, and directors and officers insurance. It covers you back to your policy’s retroactive date, which is the oldest date from which you have maintained continuous insurance.

How is prior acts coverage different from full prior acts coverage?

Prior acts coverage protects you back to your retroactive date. Full prior acts coverage refers to a policy that provides complete protection for your previous conduct, with no retroactive date.

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Updated: April 29, 2022
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