Which policy form allows claims to be made at any time if the injury occurred during the policy period?

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Multiple Choice

Which policy form allows claims to be made at any time if the injury occurred during the policy period?

Occurrence coverage is determined by when the injury or damage happened, not when the claim is filed. If the incident occurred during the policy period, the claim can be made at any later time and still be covered, because the event happened while the insurer was on risk. This is different from a claims-made form, which requires the claim to be reported during the policy period (unless tail coverage is added). Excess coverage adds higher limits, not a timing trigger, and tail coverage is an extension for claims under a claims-made policy. So the form described is occurrence coverage.

Occurrence coverage is determined by when the injury or damage happened, not when the claim is filed. If the incident occurred during the policy period, the claim can be made at any later time and still be covered, because the event happened while the insurer was on risk. This is different from a claims-made form, which requires the claim to be reported during the policy period (unless tail coverage is added). Excess coverage adds higher limits, not a timing trigger, and tail coverage is an extension for claims under a claims-made policy. So the form described is occurrence coverage.

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