Coverage description
An extended reporting period allows certain claims to be reported after a claims-made policy ends, subject to the policy’s terms, dates, and covered acts. The reporting window and the acts eligible for coverage depend on each endorsement.
How an extended reporting period works
A claims-made policy covers claims first made during the policy period, so a claim made after the policy ends is covered only through an extended reporting period. In CG 00 02, the claims-made Commercial General Liability Coverage Form, a basic extended reporting period applies automatically and without charge when the coverage is canceled or not renewed, or is replaced by insurance with a later retroactive date or not written on a claims-made basis. It lasts five years for claims from occurrences or offenses reported within 60 days after the policy ends, and sixty days for those not reported. A supplemental extended reporting period of unlimited duration is available only by endorsement, CG 27 10, for an extra charge requested within 60 days, and it provides separate aggregate limits equal to the expiring ones. Neither period extends the policy period or the scope of coverage, so the injury or offense must still fall after the retroactive date and before the policy ends.
“A Supplemental Extended Reporting Period of unlimited duration is available, but only by an endorsement and for an extra charge”
Coverage classification
- Form type
- Endorsements
Compare Extended reporting period forms
| Form | Intent | Act timing | Policy context |
|---|---|---|---|
The Hanover Insurance CompanyAccountants Advantage Professional Liability Insurance Policy Form 915-1001 01/20 Professional Errors & Omissions Liability | Builds a free 60-day reporting window into the policy and offers a longer optional period for an additional premium. | Wrongful Acts after the Retroactive Date and before the Policy Termination Date. | The optional period must be requested and paid for within 60 days after cancellation, termination or nonrenewal, replaces the automatic period and adds no separate limits. |
Everest National Insurance Company(Illinois) Extended Reporting Period PCI-ILF051A-1 0626 Directors & Officers Liability | Gives the insureds a purchased extension of at least 12 months when either the insurer or the Named Insured terminates or refuses to renew. | Wrongful Acts taking place before the effective date of termination or nonrenewal. | Written election and premium are due within 30 days; the premium is fully earned and the limit is part of, not in addition to, the policy period limits. |
Society Insurance, a mutual companySupplemental Extended Reporting Period Endorsement SIBP 15 01 08 26 Employment Practices Liability | Provides a supplemental reporting period for eligible claims. | Applies to otherwise covered wrongful acts on or before the effective date. | Provides one year to give written notice of claims first made during that year. |
The First Liberty Insurance CorporationCommercial General Liability Coverage Form (claims-made) CG 00 02 12 25 Commercial General Liability | Provides a basic extended reporting period automatically and without charge, with a supplemental period of unlimited duration available only by endorsement. | Injury or damage, or an offense, after the Retroactive Date and before the end of the policy period. | Basic period: five years for occurrences or offenses reported within 60 days after the policy ends, sixty days for those not reported. The supplemental period costs extra and adds aggregate limits. |
Notable clauses
“reported to Us in writing, during the sixty (60) days immediately following the Policy Termination Date”
The Hanover Insurance Company · Accountants Advantage Professional Liability Insurance Policy Form · 915-1001 01/20
Automatic 60 days. The free extension covers only claims made during the policy period, so a claim first made after the policy ends needs the optional period.
“in place of, not in addition to, the automatic Extended Reporting Period”
The Hanover Insurance Company · Accountants Advantage Professional Liability Insurance Policy Form · 915-1001 01/20
Optional period replaces the automatic one. Buying the optional period substitutes it for the 60-day window rather than adding the two together.
“within thirty (30) days following the effective date of termination or nonrenewal”
Everest National Insurance Company · (Illinois) Extended Reporting Period · PCI-ILF051A-1 0626
Election deadline. The right to the extension lapses unless written notice and the additional premium reach the insurer within 30 days.
“a period of one (1) year following the Supplemental Extended Reporting Period Effective Date”
Society Insurance, a mutual company · Supplemental Extended Reporting Period Endorsement · SIBP 15 01 08 26
One-year window. Claims first made during that year can be reported, but only for wrongful acts on or before the effective date.
“You must give us a written request for the endorsement within 60 days after the end of the policy period”
The First Liberty Insurance Corporation · Commercial General Liability Coverage Form (claims-made) · CG 00 02 12 25
Supplemental period request. The basic period applies without a request; the unlimited supplemental period exists only if the insured asks in time and pays the additional premium.
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Related coverage topics
A supplemental extended reporting period is an optional tail that adds time to report claims after a policy ends. Compares two insurers' forms; 381 insurers file it.
Prior acts exclusionA prior acts exclusion limits coverage for acts, errors or events that occurred before a specified date. Compares Federal and Vantapro forms; 115 insurers file it.
Split retroactive dateA split retroactive date endorsement sets different retroactive dates for specified coverages or insuring agreements. Compares two insurers' forms; 45 insurers file it.
Prior acts coveragePrior acts coverage extends a claims-made policy to acts, incidents or services before a stated retroactive date. Compares two insurers' forms; 104 insurers file it.
Known wrongful act exclusionA known wrongful act exclusion bars coverage when an insured knew of a wrongful act or likely claim before a set date. Compares two insurers' forms; 13 insurers file it.
Amendment of definition of lossThese endorsements revise what counts as covered loss, such as judgments, settlements, penalties or taxes. Compares QBE and Federal forms; 69 insurers file it.
Non-stacking of limitsA non-stacking of limits endorsement prevents limits from stacking across coverage parts, policies or related claims. Compares four insurers' forms; 202 insurers file it.
Consent to settle endorsementA consent to settle endorsement changes the insured's settlement rights and what happens if it refuses a settlement. Compares two insurers' forms; 67 insurers file it.
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