Most errors and omissions coverage is written claims-made, and usually claims-made and reported. Two things have to line up: the work must postdate the policy’s retroactive date, and the claim must be made against you and reported to the carrier within the policy period or the short window after it. The retroactive date is a cutoff rather than a grant. Work performed before it is not picked up, however the claim arrives. If you become aware of something that might become a claim, most policies let you report the circumstance and lock it into the current policy, and waiting can cost you that. Anything you already knew about when you bound is generally not covered.
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