E&O Insurance Retroactive Date: The Trap That Voids Years of Coverage
E&O / professional liability is written on a claims-made basis, which means the policy in force when the CLAIM is reported responds — not the policy in force when the wor
Category
Claims-made vs. occurrence policies, retroactive dates, defense-inside-the-limits traps, and tech E&O for SaaS companies.
E&O / professional liability is written on a claims-made basis, which means the policy in force when the CLAIM is reported responds — not the policy in force when the wor

Errors and omissions insurance covers the lawsuits your general liability policy refuses. Here is how to choose the right E&O coverage.

How professional liability premiums are calculated in 2026, plus seven levers you can pull right now to lower your annual cost without dropping coverage.

A complete 2026 guide to professional liability coverage limits: what each number on your policy means, how to size them to your real exposure, and the gaps most buyers miss.