What is a retroactive date? Does my policy have one?

Policies written on a Claims-Made basis contain a specific date on which coverage begins (commonly known as the “retroactive date”) and provides no coverage for claims arising out of occurrences that take place prior to this date.

Your policy with CPH Insurance is written on an occurrence basis, and there is no “retroactive date” named in the policy. Occurrence coverage applies to claims or suits resulting from professional incidents occurring during the policy period. See the “Occurrence Coverage vs. Claims Made” section below for additional information about the differences between the two policy types.