Full Prior Acts

A policy provision setting the retroactive date to the earliest possible date—effectively providing unlimited retroactive coverage for all professional acts that occurred before the current policy period. Full prior acts coverage is the most favorable retroactive date a law firm can obtain because it eliminates any gap in coverage for past work. Carriers typically offer full prior acts to firms with a clean claims history and continuous coverage. New firms or firms switching carriers after a claim may receive a restricted retroactive date instead, limiting coverage to acts occurring on or after a specified date.