You will be covered for any claim under this policy that is presented after you switch insurance companies if you have had continuous Insurance in your name from the date of the inspection that gave rise to the claim. This is known as Prior Acts Coverage. For example, if you have had continuous Insurance in your name since 1/1/2002, that would be your prior acts date or, retroactive date, as it is sometimes called. Your current Insurance carrier will respond to a claim for work you performed from 1/1/2002 forward, assuming you have had continuous E & O Insurance with no lapses in coverage.