What is Retroactive Date Exclusion | Insurance glossary by upcover

The Prior Acts Exclusion ensures the policy only covers incidents happening after its stated retroactive date. If a fault occurred earlier but is discovered later, it falls outside cover. For example, a tradie’s 2019 installation failure won’t be insured if the retroactive date is 2020. Why it matters: It defines the true start of protection under “claims-made” policies and prevents backdated risk.

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Related Term

Sum Insured (Strata)

Market Value Cover (Strata)

Replacement Cost Cover (Strata)

All Category

Financial

Legal

Insurance Documents

Fundraising

Employment

Policy

Risk Management

E&O

D&O

Commercial Insurance

Cyber

Compliance

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