Our professional indemnity insurance policies (as is the case almost without exception throughout the UK) operate on a ‘claims made’ basis. This provides cover for claims made (and reported to the insurer) during the period of insurance cover only. Each policy incorporates a retroactive date which effectively excludes claims arising from things done, or that ought to have been done, prior to this date. Once a policy has expired there is no cover in force in respect of claims that may arise even if the claim relates to work undertaken during the period of policy cover.