The timing, plainly
When should you start your E&O renewal?
A month or more before the policy ends — earlier if your renewal involves shopping carriers. Errors-and-omissions coverage renews yearly, and the renewal isn’t a button: the application wants updated numbers about your business, underwriting takes time, and any change in your services can mean questions back and forth. The part professionals learn the hard way: many professional liability policies are written on a claims-made basis, where continuous coverage is what protects your past work — so a lapse between policies can matter far more than the empty days suggest. Ask your carrier or broker how yours works, and treat the renewal date as a deadline with a runway, not a bill.
The application, underwriting, and any carrier shopping all take lead time — and with claims-made style policies, an accidental gap in coverage is the expensive kind of oversight. Your broker can confirm how yours is written.
Where it sits in the year
Ordered from this month — this is the shape of it on a timeline.
What happens if my E&O policy lapses?
Beyond being uncovered for new work, many professional policies are written so that a gap affects coverage for your past work too — and some professions require active E&O to keep a license or appointment. Your broker can tell you exactly what a gap would mean on your policy; the reminder makes sure you never find out.
Should I shop my E&O every year?
Reviewing it yearly is reasonable — premiums and appetites shift — but switching carriers on a claims-made policy has its own considerations (ask about prior-acts coverage). Either way, the decision needs weeks, which is exactly what the early reminder buys.
The date is the easy part. Remembering is the product.
Reviewal keeps windows like this on one page — the whole year of them — and emails you before each one opens. Your calendar handles what's today; this is the layer above it. Free to start: 40 events, 3 sections, reminders included.
Tracking this in a spreadsheet or calendar today? See exactly what changes: vs. a spreadsheet · vs. calendar reminders