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Endorsements

Prior acts exclusion in admitted P&C products

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Coverage intent

A prior acts exclusion limits coverage for acts, errors, omissions, events, or circumstances that occurred before a specified date or policy period.

Coverage impact

Prior acts wording is central to claims-made products. It affects continuity, retroactive dates, renewal negotiations, and whether older conduct remains covered.

Form similarity

Form groups by coverage intent

FilingFocus converts each form into a numeric representation of its wording. The map compares distance between those representations, so forms with similar intent, not just keywords, appear closer together. This helps show repeated variants, related form families, and outliers.

Form group
Prior acts exclusion
716 forms on chart / latest Jun 23, 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)
39 filings
Ironshore Indemnity Inc. + 1 more
Directors & Officers Liability + 2 more
Less common wording
PRIOR ACTS EXCLUSION
CU7401 08 06
2 filings
Illinois EMCASCO Insurance Company
Commercial Umbrella & Excess

Where this language appears

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

Matching form records

Recent records

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Sample form language

A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.

Selected form

Prior Acts Exclusion Endorsement

Form #: PF-57190 05/26

Federal Insurance Company

Employment Practices Liability

CT | Jun 22, 2026

This endorsement excludes loss for matters based on wrongful acts, facts, or circumstances before a specified prior-acts date.

Prior acts date exclusion

In consideration of the premium charged, it is agreed that no coverage will be available under the Employment Practices Liability Coverage Part for Loss on account of any Matter based upon, arising from, or in consequence of any Wrongful Act, fact, or circumstance committed, attempted, or allegedly committed or attempted prior to [PRIORACTDATE].

Selected excerpt from this form.

Notable language points

  1. 01Applies to wrongful acts as well as facts or circumstances.
  2. 02Captures committed, attempted, allegedly committed, or allegedly attempted conduct.

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