Policy Terms & Limits
Also known as: Inception Date
The date a policy's coverage begins, marking the start of the policy period shown on the COI.
The effective date is when coverage starts. On a COI it appears next to each policy line alongside the expiration date, defining the window during which the policy responds to claims.
GCs check that the effective date is on or before the sub's start on site, a sub working before their policy incepts is effectively uninsured for that gap.
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