Merriam-Webster Dictionary defines accident, in common usage, as an unforeseen and unplanned event...
occurrence
In a commercial general liability (CGL) coverage form, an occurrence is an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
Additional Information
General liability policies insure liability for bodily injury (BI) or property damage (PD) that is caused by an occurrence. This is also a common homeowners provision.
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