What Identity Insurance or the Like Would Cover Previous Incidents From This Year Before I Was Insured?

You can purchase a retroactive date for many types of liability insurance policies, but no insurer will retroactively cover a known exposure. When buying a retro date, you need to verify that that you have no known lossess or occurences. You can count on known lossess, claims or even occurences being excluded specifically from coverage. Find an attorney with insurance experience to address the particulars of your situation.