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claims-made and reported policy

A claims-made and reported policy is a type of claims-made policy in which a claim must be both made against the insured and reported to the insurer during the policy period for coverage to apply.

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claims-made and reported policy

A claims-made and reported policy is a type of claims-made policy in which a claim must be both made against the insured and reported to the insurer during the policy period for coverage to apply.

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Claims-made and reported policies are unfavorable from the insured's standpoint because it is sometimes difficult to report a claim to an insurer during a policy period if the claim is made late in that policy period. However, more liberal versions of claims-made and reported policies provide postpolicy "windows," which allow insureds to report claims to the insurer within 30 to 60 days following policy expiration.

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