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L Squared Insurance Agency Blog: full prior acts

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Attorney Malpractice insurance policies have a Retro Active date sometimes called a Prior Acts date.  But some attorney malpractice policies do not.  These attorney malpractice insurance policies are Full Prior Acts (FPA). READ MORE >>

Professional Liability Insurance policies are normally written on a ‘claims-made’ policy form.  In its purest form, an unendorsed ‘claims-made’ policy only provides coverage for the current policy term for covered acts that occurred during and where the claim is made and reported during that policy term. READ MORE >>

For Lawyers Professional Liability Insurance, there is not common meaning to the terms.  “Full Prior Acts” is a term that is often misunderstood and changes from carrier to carrier as to what it means.  Each Attorney Malpractice policy defines the terms used in the policy in its own unique way. READ MORE >>

As with many terms with Professional Liability Insurance, there is not common meaning to the term.  “Full Prior Acts” is a term that is often misunderstood. Many insureds assume that “Full Prior Acts”, actually means that the insured attorney is covered from the inception of their practice. READ MORE >>

Question from Client: Is this Lawyers Professional Liability Insurance Policy Extended Reporting Period Endorsement (Tail) Full Prior Acts? Response: Many people think that there is a separate policy issued once “Tail” is purchased on a Lawyers Professional Liability Insurance Policy. READ MORE >>

Most professional liability insurance policies have a Retro Active date or Prior Acts date, few have Full Prior Acts or FPA. Full Prior acts is a type of claims-made liability policy that does not contain a retroactive date and therefore covers claims arising from acts that took place at any time prior — regardless of how far in the past. READ MORE >>

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