Immediately, and often earlier than you would think. A claims-made policy requires notice while the policy is in force, so a claim reported after it ends is generally outside the coverage even if the mistake happened inside it. Late notice can forfeit an otherwise covered claim. Most forms also carry a notice of circumstance provision, which lets you report a situation likely to produce a claim before one is actually made, locking it to the current policy. Use it. Tell us as soon as something feels wrong, not once a demand letter arrives.
Related FAQs
It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.
Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.
A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...
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