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Exclusions

Prior acts exclusion wording and examples

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Coverage description

A prior acts exclusion limits coverage for acts, errors, omissions, events, or circumstances that occurred before a specified date or policy period. The acts or circumstances addressed and the applicable date are central to prior-acts wording.

Coverage classification

Form type
Exclusions
Product lines
Directors & Officers LiabilityEmployment Practices LiabilityProfessional Errors & Omissions Liability

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Prior acts exclusion forms compared by Intent, Coverage context, Conduct and timing
FormIntentCoverage contextConduct and timing

Federal Insurance Company

Prior Acts Exclusion Endorsement

PF-57190 05/26

Employment Practices Liability

Excludes employment practices loss for matters involving prior acts.Employment Practices Liability.Addresses wrongful acts, facts or circumstances committed or attempted before the specified date.

Vantapro Specialty Insurance Company

PRIOR ACTS EXCLUSION

VP-FID00082 00 09/26

Other Liability

Excludes loss from claims involving prior wrongful acts.Other liability.Addresses wrongful acts actually or allegedly committed before the specified prior-acts date.

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Notable clauses

“any Wrongful Act, fact, or circumstance committed, attempted, or allegedly committed or attempted prior to”

Federal Insurance Company · Prior Acts Exclusion Endorsement · PF-57190 05/26

Prior acts date. The exclusion includes facts and circumstances as well as wrongful acts.

“any Wrongful Act actually or allegedly committed prior to”

Vantapro Specialty Insurance Company · PRIOR ACTS EXCLUSION · VP-FID00082 00 09/26

Wrongful acts. The exclusion uses a specified prior-acts date for wrongful acts.

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Market activity

Matching form records, product lines, state activity, and recent examples for this coverage language.

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Prior acts exclusion wording map

Explore clusters of similar wording and outlying forms on the map. Select a point to see the associated forms.

Form group
Prior acts exclusion
200 forms on chart / latest Nov 10, 2026
More typical wording
Less typical wording
Each dot is a filed form in the selected group. Dots close together tend to use similar wording.
Multi-company use
Multiple products
Multi-state rollout
Single company/product
Larger dots appear in more filings for the selected group.
Wording signals
Most common wording
Prior Acts Exclusion Endorsement
ML.LCP.E003 (0923)
41 filings
Ironshore Indemnity Inc. + 1 more
Directors & Officers Liability + 2 more
Less common wording
IMPERSONATION FRAUD (FRAUDULENTLY- INDUCED PAYMENT COVERAGE; SEPARATE DEDUCTIBLES AND SUBLIMITS FOR AUTHENTICATED AND UNAUTHENTICATED INSTRUCTIONS; PRIOR ACTS EXCLUSION) FB 24
134486 (7/19)
27 filings
National Union Fire Insurance Company of Pittsburgh, Pa. + 1 more
Fidelity

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Endorsements

Endorsements show how carriers add, limit, exclude, or amend coverage language.

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Extended reporting period

An extended reporting period lets claims be reported after a claims-made policy ends, subject to its dates and terms. Compares four insurers' forms; 545 insurers file it.

Insured vs insured exclusion

An insured vs insured exclusion limits coverage for claims one insured brings against another, subject to carvebacks. Compares two insurers' forms; 71 insurers file it.

Known wrongful act exclusion

A 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.

Supplemental extended reporting period

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 coverage

Prior 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.

Specific matter exclusion

A specific matter exclusion removes coverage for claims arising from a scheduled matter, dispute or transaction. Compares QBE and Westfield forms; 58 insurers file it.

Pending or prior proceedings exclusion

This exclusion can limit coverage for claims connected to litigation pending or begun before a specified date. Compares two insurers' forms; 125 insurers file it.

Split retroactive date

A split retroactive date endorsement sets different retroactive dates for specified coverages or insuring agreements. Compares two insurers' forms; 45 insurers file it.

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