Does my policy include Prior Acts coverage?

Insurance agent E&O policies are mostly written on a claims made basis. As long as the insured has continuous E&O in place at the time of sale, Prior Acts would most likely be afforded to the insured and would pick-up the claim. That is why it is imperative not to create gaps in your E&O coverage. The E&O insured should confirm their Prior Acts coverage with their current insurance carrier. Under a claims made policy the insurance carrier in place at "time of claim" is the carrier that would provide coverage under their prior acts provision.