Most policies are occurrence forms. What type of claims do they cover?

• A. Claims that occur during the policy period.
• B. Claims that occur after the policy period.
• C. All claims regardless of when they occur.
• D. Environmental claims only.

Answer: (A)

Occurrence forms are triggered by when the incident happens, not by when a claim is filed. So the coverage attaches for events that occur during the policy period, and the claim can be reported later (often within any required extended reporting period). This means claims arising from incidents that happen during the policy period are covered, even if the claim is made after the policy ends. The other options don’t fit because a claims-made or environmental-only approach isn’t how occurrence forms operate, and simply covering all claims regardless of timing ignores the requirement that the event itself occurred during the policy period.