Yes. Coverage applies for claims arising from “wrongful acts” back to the “Prior Acts Date”, which is the date of your first continuous E&O professional liability policy. Should you have a claim adjuster with proof of continuous E&O back to the date of the “wrongful act” giving rise to the claim.

No. This program offers a menu of coverage for various products and activities, but retentions may differ.

NO.

If you were insured less than six (6) months, you will have an automatic 90 day extended reporting period (ERP). If you have been insured for at least six (6) months under the policy, provided you have not secured coverage elsewhere, you are entitled to an unlimited duration ERP at no additional charge. The applicable ERP is with respect to a claim made during such ERP arising out of a wrongful act committed after the ap-plicable prior acts date, but before the termination date.

Most E&O policies include an awareness provision sim-ilar to that described below. Therefore, we strongly sug-gest that you report any incidents for which you feel could give rise to an E&O claim to your current carrier. Failure to do so could leave you without coverage for such claims if it is discovered that you had knowledge of the incident prior to your enrollment in the E&O Program.

A claim means a written demand for monetary damages or a civil adjudicatory or arbitration proceeding for mon-etary damages against an Insured for a wrongful act which is defined as any negligent act, error or omission of or personal injury (libel, slander, defamation ect) caused by the Insured in rendering or failing to render professional services. A claim must be first made against the Insured and reported to the Insurer during your certificate period. For your protection, the policy also includes an aware-ness provision. If you become aware of a circumstance that could reasonably give rise to a future claim, this provision allows you to provide written notice of such circumstance. If your notice of circumstance provides details as to the potential claimants, the wrongful act and other details, then a claim (otherwise covered by this policy) which is subsequently made against you arises out of the wrongful act for which you gave previous notice, shall be deemed to have been “made” at the time such written notice was received by the Insurer.

“Claims made and reported” means that a claim must be both first made against you and reported during the period of time specified in the policy in order to be a covered claim. A claim shall be deemed to be made:

• In the case of a civil proceeding or arbitration, on the earliest of the date of service upon or other receipt by any Insured of a complaint or similar document against the Insured in such proceeding or arbitration; or
• In the case of a written demand for monetary damages, on the Insured’s receipt of notice of such demand. Claims must be “made” against you and reported in writing to the Insurer within your certificate period. You must do so as soon as practicable.

As stated, report the claim to the Insurer at the address stated in you certificate of insurance as soon as practicable and during the certificate period or any immediately following, certificate period. The limits of insurance in effect for the certificate period in effect on the date the claim is reported to the Insurer shall apply to such claim:

• Be prepared to provide the Insurer with copies of reports, investigations, pleadings and related papers.
• Immediately forward every demand, notice, summons, or other process received to the Insurer at the address; on the certificate
• Cooperate with the Insurer to provide them with any and all information they require;
• Do not speak with anyone other than your attorney or the Insurer about the matter, and do not demand or agree to arbitration of any claim nor make payment, admit any liability, settle any claims, assume any obligation, or incur any expenses without the written consent of the Insurer.