'Retroactive Date'

The term 'retroactive date' applies to any work you have undertaken before the start date of the current professional indemnity insurance policy. It's purpose is to make clear the starting point from which work undertaken is covered by the policy. 

The retroactive date is often the same date you began trading or the date you first purchased professional indemnity insurance.

Claims arising from work carried out before the retroactive date, are not covered by the policy.