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Lawyers professional liability
Firm and attorney records with retroactive dates and lateral hire handling.
Insurtech / Professional Liability
Professional liability insurance software
On a claims-made policy the date of the mistake, the date of the claim and the retroactive date all decide coverage, yet most policy systems store only one of them. Agnotic Technologies builds professional liability systems that hold the full coverage timeline and check it at every claim.
Retro date
Kept across renewals
Tail
Extended reporting periods
Notices
Linked to later claims
Trusted by global innovators
Industry Overview
What is professional liability insurance software?
Professional liability insurance software is the policy and claims system for errors and omissions, malpractice and similar covers written on claims-made forms. Agnotic Technologies builds the data model these lines depend on: retroactive dates, continuous coverage history, extended reporting periods and notices of circumstance, so the system can tell whether a claim is covered.
Industry Challenges
Why do general policy systems get claims-made cover wrong?
Most policy systems were designed for occurrence cover, where the date of loss decides everything. Claims-made forms need more dates and more history.
The retroactive date is typed onto the declarations page as text, so no rule can read it.
Prior acts history is lost when an insured moves from another carrier, and nobody can prove continuous cover.
Tail cover is issued as an endorsement without its own reporting window, so late claims are hard to place.
Notices of circumstance sit in email, and a claim that follows months later is not linked to them.
A renewal or rewrite resets the retroactive date by accident and quietly removes cover for past work.
The claims team checks only the date of loss, because that is the only date the system offers.
Claims-made logic
How does the system decide whether a claim is covered?
Each claims-made concept becomes a rule in the coverage check and a record the system must keep. Exact wording comes from your filed forms; this is the structure we build around.
| Policy concept | System rule | Record it must keep |
|---|---|---|
| Retroactive date | The act, error or omission must have happened on or after the retroactive date | The retroactive date per insured and coverage part, carried across renewals unless an endorsement changes it |
| Policy period | The claim must be first made during the policy period | The date the insurer received written notice of the claim, and how it arrived |
| Extended reporting period (tail) | A claim first made during the extended reporting period counts against the expired policy, for acts before it ended | The tail's purchase, start and end dates, premium and the policy it attaches to |
| Prior acts cover | Acts before this policy began are covered back to the retroactive date when prior acts are included | Prior carrier, prior retroactive date and proof of continuous cover |
| Notice of circumstance | A circumstance reported during the period can tie a later claim to this policy, where the form allows | Notice date, facts reported, people involved and the link to any later claim |
| Claims-made and reported | Some forms also require the claim to be reported within the same period | The reporting date and deadline, and the states where the form may be used |
Our Approach
What should a claims-made build get right first?
Three things matter more than any screen. Get them right and underwriting, renewals and claims can trust the same answer.
A coverage timeline per insured
Every policy, retroactive date, tail and notice for an insured sits on one timeline that underwriting and claims both read.
One coverage check service
Quoting, renewals, endorsements and claim intake call the same rules, so a retroactive date cannot mean one thing in underwriting and another in claims.
Profession settings as configuration
Application questions and rating factors for lawyers, physicians or design professionals are configuration sets, added without new code.
Capabilities
What do we build for professional liability writers?
Professional liability insurance software services focused on the claims-made layer. Generic underwriting workbenches and policy servicing are described on our insurance software page.
Coverage timeline record
Policies, retroactive dates, tails and notices for each insured in date order, with the source of each entry.
Retroactive date and prior acts management
Retroactive dates per coverage part, prior carrier details and continuity checks at quote and renewal.
Tail quoting and issuance
Extended reporting period options offered at cancellation or nonrenewal, priced and issued with their own window.
Notice of circumstance intake
Notices captured from insureds and brokers, acknowledged and held ready to link to a later claim.
Coverage trigger check
At claim intake the system tests the act date, claim date, retroactive date and reporting window, and records the result.
Profession application sets
Question sets per profession, with answers mapped to underwriting rules and referrals.
Lateral moves and firm changes
Professionals joining or leaving an insured firm, each with their own retroactive date and prior acts record.
Defense counsel tracking
Panel counsel assignment, litigation status and defense costs against limits on each claim.
How It Works
How does a notice of circumstance become a covered claim?
This is the path we build so a notice reported today still places a claim correctly months or years later.
Notice received
The insured or broker reports a circumstance. The system records the date, the facts and the policy in force.
01
1
Acknowledge and assess
The notice is acknowledged in writing and reviewed against the form's notice requirements.
02
2
Hold on the timeline
The accepted notice stays on the insured's coverage timeline, visible at renewal and in any later claim.
03
3
Claim arrives
When a written claim comes in, the system searches the timeline for matching notices and proposes the link.
04
4
Coverage decision
A claims professional confirms the link and the coverage result, and the reasoning is stored with the claim.
05
5
Engineering Stack
Systems and standards behind a claims-made platform
Chosen to fit your distribution, your counsel panels and the policy systems you already run.
Distribution
Broker and agency portalsACORD P&C XMLApplication intake with document extractionLicence and credential checks
Policy and claims
Coverage timeline serviceRules engine for coverage checksDocument generation for forms and noticesLegal e-billing (LEDES) for defense invoices
Data
PostgreSQLData warehouseEvent history for every coverage changeReinsurance bordereaux
Platform and security
Role-based access and SSOAudit loggingEncryption in transit and at restCloud hosting
Measured Impact
What should a professional liability team track?
Measures we build into underwriting and claims dashboards.
Checks
Coverage results
Claims tested at intake, by result and by the rule that decided it.
Notices
Open circumstances
Notices on file with no linked claim, by age and insured.
Tail
Reporting windows
Tails issued and the claims made inside their windows.
Retro
Date exceptions
Renewals or changes where the retroactive date moved.
Use Cases
Where do professional liability builds start?
Common first releases, each scoped to one profession or one coverage job.
02
Medical professional liability
Physician and facility cover with tail options at retirement or a move.
03
Design professionals
Architects and engineers with project-specific notices and prior acts.
04
Technology errors and omissions
Cover for software and services firms with contract-driven limits.
05
Coverage check service
One rules service added to an existing policy and claims system.
06
MGA program launch
Professional liability insurance software for startups and MGAs writing a single profession.
Integrations
Which systems does professional liability software connect to?
The parties and systems a claims-made book depends on.
Distribution
Broker and agency systems
Policy records
Policy administration
Pricing
Rating engine
Underwriting
Licence and credential data
Claims costs
Defense counsel billing
Forms and letters
Document generation
Bordereaux
Reinsurers
Reporting
Data warehouse
What we check
Is your claims-made data model ready?
What a claims-made data model has to record. Missing items are usually where coverage disputes start.
Policy record
- Retroactive date stored as a date per coverage part
- Prior acts included or excluded as a field
- Proof of continuous cover attached to the insured
Reporting
- Claim received date stored apart from the act date
- Notices of circumstance linked to later claims
- Tail windows stored with start and end dates
Renewals and changes
- Retroactive date carried forward automatically
- Any retroactive date change needs an endorsement and approval
- New professionals added with their own dates
Claims
- Coverage check result logged at intake
- Reservation of rights triggered by the check
- Defense costs tracked against the right limit
Compliance-First Development Services Backed by Global Standards
We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.
Health Insurance Portability and Accountability Act
Protect PHI with privacy-first architecture, encrypted storage and transmission, and strict access controls.
General Data Protection Regulation
Implement lawful consent flows, data minimization, and secure processing for global data privacy.
Service Organization Control 2
Verified controls for security, availability, and confidentiality of enterprise data systems.
Information Security Management
Adhering to the international gold standard for managing information security risks.
Quality Management Systems
Ensuring consistent quality in software delivery and operational process optimization.
Payment Card Industry (PCI DSS)
Securing payment transactions and protecting cardholder data with industry-best practices.
Health Information Trust Alliance
Healthcare-specific security controls and risk management practices trusted by global partners.
Fast Healthcare Interoperability Resources
Enabling standardized health data exchange through standards-based API mappings.
Health Level Seven International
Supporting enterprise-grade interoperability for clinical messaging and record workflows.
Our Edge
Why Global Leaders Choose Us
We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.
Enterprise-Grade Security
We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.
High-Performance Scaling
Our architectures are built to handle massive data loads and user bases, keeping performance steady whether you're serving ten or ten million.
Accelerated Time-to-Market
Using our suite of internal tools and proven frameworks, we cut setup work so your first release reaches users sooner.
Embedded AI Integration
Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.
Engagement Model
How does a professional liability engagement work?
We start with the coverage timeline because every later feature reads from it. Timing depends on scope; we agree a fixed first release on the scoping call.
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Scoping call
Professions, forms, states and the systems in place, and where coverage disputes come from today.
02
Form and rule mapping
Your filed forms turned into coverage rules, reviewed with your coverage counsel.
03
Fixed-scope first release
The coverage timeline and check for one profession, used at quote and at claim intake.
04
Add professions and tails
More application sets, tail options and notice handling on the same model.
05
Support
Form revisions and new states handled under agreed change control.
Facts and sources
What does New York's claims-made regulation require?
Short facts we design around, each linked to its primary source. New York is shown as one state example.
New York Regulation 121 defines a claims-made policy as one covering injury or damage arising from acts or omissions, including those before the effective date but after any retroactive date, as long as the claim is first made during the policy period or any extended reporting period.
Source: 11 NYCRR 73.1(a), as quoted in New York DFS Office of General Counsel Opinion 03-07-35Under New York Regulation 121, a claim is deemed first made when the insurer receives written notice of a claim or suit from the insured or a third party, though an insurer may use written notice of an incident as the coverage trigger.
Source: 11 NYCRR 73.3(a), as quoted in New York DFS Office of General Counsel Opinion 03-07-35New York DFS concluded that claims-made and reported policies would violate Regulation 121 and will not be approved for authorized insurers, although an excess line broker may place one with an unauthorized insurer.
Source: New York DFS Office of General Counsel Opinion 03-07-35
Voice of success
We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.
“I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly.”
Aaron Phelan
Founder, Benchmark
“Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective.”
John Pasmore
Founder, Latimer
“Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together.”
Kim Smith
Founder, My Lauren
Related pages
Related insurance software services
This page covers the claims-made layer. These pages cover distribution, documents and reporting around it.
Insurance software for policy and claims administration
Underwriting, policy servicing and claims across lines of business.
Insurance agency management system
Software for the brokers who place professional liability.
Document intelligence systems
Extraction from applications and prior loss runs, with human review.
Risk and compliance reporting software
Regulatory and reinsurance reporting from the same data.
Insurtech software development
Our wider insurance practice for carriers, MGAs and startups.
More in Insurtech
More Insurtech Solutions
Explore other production-grade engineering platforms we deliver across insurtech.
Cross-Industry Reach
The Same Engineering Patterns, Across Other Industries
The technical patterns behind this platform translate naturally into adjacent verticals.
Frequently Asked Questions
Occurrence cover asks when the injury or damage happened. Claims-made cover asks when the claim was first made and whether the act came after the retroactive date. The system stores both sets of dates and runs the check that matches the form.
The new professional gets their own retroactive date and prior carrier record on the firm's policy. The system checks continuity before prior acts are granted and keeps the evidence with the insured.
Yes. At cancellation or nonrenewal it offers the extended reporting options in your forms, prices them, issues the chosen tail and opens its reporting window on the timeline.
The number of professions and forms, the states you write in, integrations with broker, rating and claims systems, and how much coverage history must be migrated with its dates intact. We cover these drivers on the scoping call and agree a fixed first release.
Yes. A new program usually starts with one profession, the coverage timeline and the check at quote and claim, then adds tails, notices and more professions.
New York DFS has said these forms would violate Regulation 121 for authorized insurers, though an excess line broker may place one with an unauthorized insurer. The system keeps each form's permitted states so it is not issued where it is not allowed.
Yes, as a first pass. Document extraction fills the application and loss history, and an underwriter reviews every extracted field before it affects a quote.
Industries