Last reviewed: June 18, 2026 by Policyhold Compliance Team

Claims-made policy with missing or inadequate retroactive date

Claims-made GL requires a retro date on or before contract start. Many GC programs prefer occurrence-based GL; claims-made may be acceptable with an adequate retro date and program approval.

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What this issue means

The GL policy is claims-made and the retroactive date is missing or after work began.

Why it matters for mobilization

Claims-made policies may not cover incidents once the policy expires unless tail coverage exists.

How to resolve it

Request retro date confirmation on or before contract start, or occurrence-based GL if your program requires it.

When approval should be blocked

Clarify before approval when retro date is missing, inadequate, or your program requires occurrence-based GL.

Recommended next step

Confirm retroactive date predates contract start or request occurrence-based GL.

Related issues

COI tracking for general contractors · Insurance requirements generator