Prior Acts refers to your professional activities that were performed prior to binding of coverage through a policy. Coverage can extend to claims first made against you during the policy period arising from alleged acts which took place prior to the date that the policy came into effect. However, the policy will exclude any prior and/or pending litigation or prior knowledge of any claim or circumstance(s) that could give rise to a claim, and requires that an advisor has uninterrupted coverage (i.e. a gap in coverage may negate prior acts coverage).