Also known as: Retro Date · Prior Acts Date
The earliest date from which claims-made coverage applies.
On a claims-made policy, the retroactive date sets how far back your coverage reaches. Claims arising from events before this date are not covered, even if filed during the policy period.
A retroactive date is the earliest date from which your claims-made insurance policy provides coverage. Only claims arising from incidents that occurred on or after this date are covered, even if the claim is filed during your active policy period. This date is critical for professional liability, D&O, and other claims-made policies.
Claims stemming from incidents before your retroactive date are not covered, regardless of when the claim is filed. For example, if your retroactive date is January 1, 2024, and a client sues you in 2026 for work performed in 2023, that claim would be excluded. This makes maintaining continuous retroactive dates essential.
Yes, maintaining your original retroactive date when changing carriers is critical for continuous protection. If you accept a new retroactive date at the policy start date, you lose coverage for prior acts and any claims arising from work done before the new date. Negotiate to keep your earliest retroactive date whenever possible.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.