Retroactive Date

On a claims-made policy, the earliest date an incident can have happened and still be covered. Lose it and you lose your history.

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.