Claims-Made Policy

A liability policy that only covers claims first made while the policy is active (and after its retroactive date). Common for E&O and D&O.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.