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coverage trigger

The coverage trigger is the event that must occur before a particular liability policy applies to a given loss.

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Under an occurrence policy, the occurrence of injury or damage is the trigger; liability will be covered under that policy if the injury or damage occurred during the policy period. Under a claims-made policy, the making of a claim triggers coverage. Coverage triggers serve to determine which liability policy in a series of policies covers a particular loss.

Related Terms

A claims-made coverage trigger obligates an insurer to defend and/or pay a claim on an insured's...