--- title: Does Professional Indemnity Cover Advice I Gave Before I Had the Policy? description: Does professional indemnity cover work done before you had a policy? Check your retroactive date before assuming yes. --- [![Cover Buddies Imaginate Email Header](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Imaginate%20Email%20Header.png)](https://www.coverbuddies.com) - [ABOUT](https://www.coverbuddies.com/about-cover-buddies) - SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal) - [KNOWLEDGE HUB](https://www.coverbuddies.com/en/knowledge-hub) - CONTACT - [Send Enquiry](https://www.coverbuddies.com/contact-us) - [Request A Call](https://www.coverbuddies.com/request-a-call) - [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe) [![WHATSAPP US](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/22329589/interactive-177327823698.png)](https://www.coverbuddies.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJuHTtXZmLvt2yu8cRLucsGRB33zmUGrrTVr3YwhhETVIZAPFFXv6rDxY2AZH38s63oYN2%2FdgMHrwCWnoakoEX%2F%2B0rLJMNxvtJJgNJwRCH5S%2Fti3witP5F%2FCuztb6U1rU6Nb1q918zdQ2H47AjFeSUM%2FBBQkFWRnPnOEwFZpdleGIKyojqIfxVdFQHPSxqHv37NfjatX3HrqDy%2F&webInteractiveContentId=177327823698&portalId=22329589) [DOWNLOAD OUR ESSENTIAL INSURANCE GUIDE HERE](https://www.coverbuddies.com/essential-guide-download) # Does Professional Indemnity Cover Advice I Gave Before I Had the Policy? Does professional indemnity cover work done before you had a policy? Check your retroactive date before assuming yes. [Cover Buddies](https://www.coverbuddies.com/en/knowledge-hub/author/cover-buddies) Oct 1, 2026 --- **The short answer** Usually not, unless your policy includes retroactive cover from a specific date. Most professional indemnity policies are "claims-made," meaning they cover claims arising during the policy period, but only for work or advice that falls within the policy's retroactive date — which may or may not stretch back before you bought the cover. **Why this comes up** This becomes a real problem when a client raises an issue about work done months or years earlier, before the professional had any policy in place at all, or before switching to a new insurer who set a fresh retroactive date rather than carrying the old one over. **What to check in your policy** Check your policy schedule for a "retroactive date." If it matches or predates when you started offering professional services, you're likely covered for past work. If it only starts from when you bought the current policy, older advice may fall outside your cover entirely. **Work with Cover Buddies Today!** We can check your retroactive date and help make sure your professional indemnity cover actually reaches back far enough to protect the work you've already done. [Learn more about professional indemnity insurance](https://www.coverbuddies.com/professional-indemnity-insurance-malaysia) or [get a quote](https://www.coverbuddies.com/request-information-commercial) to review your cover. 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