Definition: On a claims-made policy, the retroactive date is the earliest date an incident can occur and still be covered.

Why it matters for salons and spas

Keeping the same retro date at every renewal and carrier change preserves coverage for past work.

Example

A med spa switching carriers asks the new carrier to honor its original retro date.

Related terms

Claims-Made Policy · Tail Coverage (Extended Reporting Period)

Learn more: occurrence vs. claims-made · full glossary · salon insurance questions.

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