Occurrence Policy
Definition. An Occurrence policy responds to incidents that occurred during the policy period, even if claims are filed years later. Standard for General Liability, BOP, Commercial Auto.
Also known as: Occurrence Form
Distinct from Claims-Made (which requires an active policy at claim-filing time). Occurrence policies provide "tail" coverage automatically — you don't need to buy an Extended Reporting Period.
Example
Customer slip-and-fall in 2024 during an active GL policy. Lawsuit filed in 2027 (after GL policy ended). Occurrence policy still covers because incident date is in coverage period.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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