Continuity date

The earliest point for continuous claims coverage.

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What is the continuity date?

A continuity date is the earliest date from which an insurance claim can be filed and covered by a claims-made insurance policy. It marks the starting point for coverage. Claims from events before the continuity date are typically not covered.

Common types of claims-made policies that include a continuity date include:

Determining the continuity date in small business insurance

The continuity date in your small business insurance policy is set by the insurer and is based on the policy start date. This date, which can vary depending on your business type, risk tolerance, and claim frequency, defines the incidents that can be claimed.

When renewing or switching insurers, you can negotiate this date to ensure continuous coverage and address any concerns about business liabilities.

Keep in mind that opting for retroactive coverage might increase your premiums due to the higher risk involved. You’ll typically pay a deductible upfront before your coverage begins.

Managing the continuity date in business insurance

Small businesses need to maintain accurate and thorough documentation to effectively track and prove their continuity date to the insurance provider. This includes:

  • Keeping a copy of the insurance policy.
  • Maintaining detailed records of all correspondence with the insurance provider.
  • Keeping a well-organized log of all incidents, claims, and relevant business activities.

Failing to renew your policy by the continuity date can result in coverage gaps, leaving emerging claims unprotected.

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Your certificate of insurance is available for download whenever you need it, and help is always just a call away.

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Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
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General Liability
Protect yourself from accidents that cause physical injury or damaged property.
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Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
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Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
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Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
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Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.