occurrence policy

An occurrence policy is one that covers claims that arise out of damage or injury that took place during the policy period, regardless of when claims are made.

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Most commercial general liability (CGL) insurance is written on an occurrence form. Contrast with claims-made coverage trigger; claims-made policy.

Related Terms


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

A claims-made policy provides coverage that is triggered when a claim is made against the insured...