Prior Acts Coverage / Nose Coverage
Definition. Prior Acts Coverage (also called Nose Coverage) extends a Claims-Made policy backward to incidents that occurred before policy inception.
Also known as: Nose Coverage, Prior Acts
Inverse of ERP / Tail Coverage. Granted by new Claims-Made carriers to maintain retroactive-date continuity when switching. Critical for any professional switching Pro Liab carriers.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
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