pure claims-made policy

A pure claims-made policy is a type of claims-made policy requiring that a claim be made against the insured during the policy period for coverage to apply.

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Additional Information

Unlike claims-made-and-reported forms, pure claims-made policies do not specify that the claim must also be reported to the insurer during the policy period. Instead, they indicate only that the claim must be reported to the insurer "immediately" or "as soon as practicable." For insureds, pure claims-made policies are preferable to claims-made-and-reported policies because it is sometimes difficult to report a claim to an insurer when it is made late in a policy period.