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Coverage being offered is written on a claims made policy form. Claims must be reported during the policy term. If the policy expires, non-renews, or lapses, claims reported after may not be covered, unless reported during an *extended reporting period. This makes renewing coverage on time very important. Notices to renew will be sent by email only -- 90 days, 60 days, 30 days, and 15 days – before the policy expires. Please take the opportunity to start the process early, as policies cannot be reinstated.