What policy date do we use to report?

Reporting is based on the Transaction Effective Date.

• For New Business and Renewals, the Transaction Effective Date is the same as the Policy Effective Date, which marks the policy’s inception.
• For any subsequent endorsement transaction such as additional premiums, return premiums, cancellations, or other changes — the date used is the endorsement’s transaction effective date, not the policy’s original inception date.