What is the term for an insurance policy that provides coverage for claims filed before the policy is active regardless of when the loss occurs?

The correct term for an insurance policy that provides coverage for claims filed before the policy is active, regardless of when the loss occurs, is a retroactive policy. This type of coverage is designed to protect policyholders from claims that are brought against them for incidents that took place before the policy's start date as long as the claims are made during the active term of the policy.

In contrast, a claims-made policy only covers claims that are made during the time the policy is in effect, regardless of when the incident occurred, which differentiates it from a retroactive policy. An occurrence policy provides coverage for incidents that happen during the policy term, regardless of when the claim is filed, but does not retroactively cover claims prior to the policy start date. Comprehensive policy, on the other hand, is a more general term that can encompass a wide range of insurance coverages without the specific focus on the time of claims relative to policy activation.