Continuity date

A continuity date refers to the earliest date from which your claims-made insurance policy will protect you against a covered loss (a mistake, omission, or other action that harms a third party).

Depending on your situation, your continuity date may be the date your current insurance began or a date far in the past when you were insured with another company.

How far back your continuity date goes depends on whether you maintained coverage continuously:

• If you never dropped your insurance, your continuity date will be the date your first insurance policy began.
• If you dropped your insurance, your continuity date will be the start date of its successor policy.
• If you’ve never had insurance before, your continuity date will be the start date of your first policy.

If an incident occurs before the continuity date, your insurance policy won’t pay for the loss, even if you file a claim under your current coverage.