{"id":602,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/what-is-retroactive-date-on-professional-indemnity-insurance\/"},"modified":"2026-02-03T12:49:47","modified_gmt":"2026-02-03T12:49:47","slug":"retroactive-date-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/retroactive-date-insurance\/","title":{"rendered":"What is a retroactive date on professional indemnity insurance?"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-bg has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--150);padding-bottom:var(--wp--preset--spacing--150);background-image:url(&apos;https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business-uk\/assets\/images\/faq-bg.png&apos;);background-size:cover;\">\n<h1 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color has-max-huge-font-size wp-elements-897b0b2a3cb509196dec7c1fd7ec5e8a\" id=\"h-what-is-a-retroactive-date-on-professional-indemnity-insurance\">What is a retroactive date on professional indemnity insurance?<\/h1>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/q\/business\/new_business\/about_your_business\/66584f379da7cc053176bee1?_gl=1%2Avulc6n%2A_ga%2AMTIzMjExNjA1My4xNzE3MDUzMTc2%2A_ga_PCBVYX06QP%2AMTcxNzA2MzIyMy4yLjEuMTcxNzA2MzQxNC40My4wLjA.\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--70)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The retroactive date on your professional indemnity insurance is the date from which you\u2019ve held uninterrupted professional indemnity insurance, or a date in the past from which your insurer has agreed to cover you. Anything that happened before the retroactive date isn\u2019t covered by your insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"populartradesweinsure\">Popular trades we insure<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/builders-insurance\/\">Builders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/catering-insurance\/\">Catering insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/cleaning-insurance\/\">Cleaning insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\">Contractor insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/hairdressing-insurance\/\">Hairdressing insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/home-baking-insurance\/\">Home baking insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\">Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/pub-insurance\/\">Pub insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/security-guard-insurance\/\">Public liability insurance for security guards<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/restaurant-insurance\/\">Restaurant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/roofers-insurance\/\">Roofers insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/takeaway-insurance\/\">Takeaway insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Is your profession not listed? When you <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quote<\/a> you can select your trade from over 1,000 options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"professionalindemnityinsuranceretroactivedate\">Professional indemnity insurance &#8211; retroactive date<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The retroactive date on your <a href=\"\/business-insurance\/professional-indemnity-insurance\/\">professional indemnity insurance<\/a> is usually the date from which you\u2019ve held uninterrupted professional indemnity insurance, even if you\u2019ve switched insurers during this time. Anything that happened before the retroactive date usually won\u2019t be covered by your insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The retroactive date is important, because in order for a professional indemnity insurance claim to be covered by your insurer, your insurance needs to be in place both when the insured event happened, and when you make the claim.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"inceptiondatevsretroactivedate\">Inception date vs retroactive date<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you take out a new policy when your previous policy ends, the start date of your new policy is the \u2018inception date\u2019, but the retroactive date is the date that you first took out professional indemnity insurance (if you haven\u2019t had a break in cover).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If there\u2019s a period when you don\u2019t have any professional indemnity insurance, a claim for an event that took place during this period is likely to be declined by your insurer, even if you have insurance when you make the claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s quite likely that there could be a delay between you completing work and your client pursuing you for compensation, because it can take a while for mistakes to come to light.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, you work as a freelance graphic designer, and you take out professional indemnity insurance when you work on a six month project for client A. When the contract finishes, you begin working for client B, and you cancel your policy. A few months later, you take out professional indemnity insurance again, as your latest client (C) requires you to have it. You then receive a letter from client B saying that they\u2019re suing you for a copyright breach. When you contact your insurer, they tell you that as you weren\u2019t covered when you completed the work in question, they can\u2019t pay your claim.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"addingaretroactivedatetoanewprofessionalindemnityinsurancepolicy\">Adding a retroactive date to a new professional indemnity insurance policy<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re taking out professional indemnity insurance and you\u2019re keen to cover work that you completed previously, some insurers will let you add an earlier retroactive date to your policy. For example, you could take out your first professional indemnity policy on 1 August 2017, but agree a retroactive date of 1 January 2017, when you first began doing self-employed work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The retroactive cover means that work you completed before you took out your insurance policy can be covered by your professional indemnity insurance, as long as it was undertaken after the retroactive date, and the policy is in place when you make the claim. However, there\u2019s no guarantee that this option will be available to you &#8211; it depends on the insurer, the type of business you run and your individual circumstances. Bear in mind that the insurer won\u2019t agree to an earlier retroactive date if they believe you\u2019re expecting to face a claim for previous work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re buying your professional indemnity insurance from Simply Business, you\u2019ll need to give us a call if you want a retroactive date that\u2019s earlier than your policy start date, as you can\u2019t request this online.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your retroactive date will usually be shown on your professional indemnity policy schedule.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"readytosetupyourprofessionalindemnityinsurance\">Ready to set up your professional indemnity insurance?<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As the UK\u2019s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> provider, we protect more trades than anybody else. You can get your <a href=\"\/business-insurance\/professional-indemnity-insurance\/\">professional indemnity insurance<\/a>, <a href=\"\/business-insurance\/public-liability-insurance\/\">public liability<\/a> and <a href=\"\/business-insurance\/employers-liability-insurance\/\">employers\u2019 liability insurance<\/a> in one policy.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" 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c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Anything that happened before the retroactive date on your professional indemnity insurance isn\u2019t covered by your insurance. Find out more in this FAQ.<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":572,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What is a retroactive date on professional indemnity insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The retroactive date on your professional indemnity insurance is the date from which you\\u2019ve held uninterrupted professional indemnity insurance, or a date in the past from which your insurer has agreed to cover you. 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