E&O Claims Made Retro Date Checker
Audit actual E&O wrongful-act/first-made/report chronology against explicit retro date, half-open term and caller reporting lag; not existing tail-period-only check, causation, continuity or legal coverage determination.
Description
Errors and omissions (E&O) claims-made timing checks the act, first-made claim and report against separate boundaries.
Errors and omissions (E&O) claims-made timing checks the act, first-made claim and report against separate boundaries. The policy term excludes its end date.1
The returned values include Caller act after retro date, Claim first made within caller term, Reported within caller lag, All caller timing conditions met. The How section below explains the calculation, input rules and interpretation.
When to use E&O Claims Made Retro Date Checker
Use E&O Claims Made Retro Date Checker when you need to evaluate the supplied records under the calculation and evidence rules below. No causation, continuity, extended-reporting interpretation or legal coverage determination is supplied.
Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
How to use E&O Claims Made Retro Date Checker and understand its results
- Prepare the observed policy, claim or quote evidence and independently verified policy tables. Monetary fields use integer minor units in one currency: for a currency with 100 minor units per major unit, enter 12345 for 123.45. One basis point is 0.01 percentage points, so 10000 basis points represents 100%.
- Enter callerClaimsMadeRetroCivilDate, callerPolicyStartCivilDate, callerPolicyEndExclusiveCivilDate, observedWrongfulActCivilDate, observedClaimFirstMadeCivilDate, observedClaimReportedCivilDate, callerReportLagCalendarDays using the field table and calculation rules, then run the tool.
- Read callerActAfterRetroDate, claimFirstMadeWithinCallerTerm, reportedWithinCallerLag, allCallerTimingConditionsMet. The explanation below defines the units, signs, ordering and any flags or placeholder values.
- If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.
| Input field | Meaning | Value type; see rules below | Requirement |
|---|---|---|---|
| callerClaimsMadeRetroCivilDate | Caller claims made retro civil date | string | Required |
| callerPolicyStartCivilDate | Caller policy start civil date | string | Required |
| callerPolicyEndExclusiveCivilDate | Caller policy end exclusive civil date | string | Required |
| observedWrongfulActCivilDate | Observed wrongful act civil date | string | Required |
| observedClaimFirstMadeCivilDate | Observed claim first made civil date | string | Required |
| observedClaimReportedCivilDate | Observed claim reported civil date | string | Required |
| callerReportLagCalendarDays | Caller report lag calendar days | number | Required |
Enter six exact real Gregorian YYYY-MM-DD dates in 1900–2199 and integer report lag 0–3660. Require start<end, retro≤start, act≤made and reported≥made. Return each timing flag and their conjunction, with inclusive retro and report-lag boundaries.
actOK=act≥retro; madeOK=start≤made<end; reportOK=reported−made≤lag; all=actOK and madeOK and reportOK Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.
| Output field | Meaning | Value type |
|---|---|---|
| callerActAfterRetroDate | Caller act after retro date | boolean |
| claimFirstMadeWithinCallerTerm | Claim first made within caller term | boolean |
| reportedWithinCallerLag | Reported within caller lag | boolean |
| allCallerTimingConditionsMet | All caller timing conditions met | boolean |
{
"input": {
"callerClaimsMadeRetroCivilDate": "2025-01-01",
"callerPolicyStartCivilDate": "2026-01-01",
"callerPolicyEndExclusiveCivilDate": "2027-01-01",
"observedWrongfulActCivilDate": "2025-06-01",
"observedClaimFirstMadeCivilDate": "2026-06-01",
"observedClaimReportedCivilDate": "2026-06-10",
"callerReportLagCalendarDays": 30
},
"output": {
"callerActAfterRetroDate": true,
"claimFirstMadeWithinCallerTerm": true,
"reportedWithinCallerLag": true,
"allCallerTimingConditionsMet": true
}
}Limitations and assumptions
No causation, continuity, extended-reporting interpretation or legal coverage determination is supplied.
Numeric inputs, where present, must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Extremely large text inputs are rejected. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors. A successfully returned false flag is an evaluated outcome; its meaning is explained above.
Alternative or Complementary methods
Use EPL Practices Claims Trigger Lookup: EPL trigger review distinguishes known missing required triggers from unresolved evidence. An empty requirement set does not establish an evidenced trigger. For a complementary task, use Binder To Policy Issue Gap Checker: Binder-to-policy chronology compares effective dates rather than document issue dates. Separate nonnegative gap and overlap counts preserve the boundary.
References
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E&O Claims Made Retro Date Checker — tool.io
Similar or alternative tools
- EPL Practices Claims Trigger Lookup
EPL trigger review distinguishes known missing required triggers from unresolved evidence. An empty requirement set does not establish an evidenced trigger.
- Binder To Policy Issue Gap Checker
Binder-to-policy chronology compares effective dates rather than document issue dates. Separate nonnegative gap and overlap counts preserve the boundary.