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Retroactive date – for physicians

The retroactive date can be found on the physician’s claims made professional liability policy.  The retroactive date triggers the beginning of insurance coverage and signifies that coverage for claims made during the policy period will extend back to the retroactive date of the individual physician.   

Retroactive date - for Physician extenders

The retroactive date can be found on the corporate policy document or on the individual's declaration page.   The retroactive date triggers the beginning of insurance coverage and signifies that coverage for claims made during the policy period will extend back to the retroactive date of the insured individual.  Nurse Practitioners, Physician Assistants, and other physician extenders sometimes share the limit of liability with the corporate entity, if this is the case for your group, the retroactive date for these individuals will be the day they joined the practice. 

Retroactive date - for corporate entity

The retroactive date can be found on the corporate policy document (declaration page).   The retroactive date for the corporation triggers the beginning of insurance coverage and signifies that coverage for claims made during the policy period will extend back to the retroactive date of the corporation.