Which type of loss is most likely to involve a claims-made form?

• A. A homeowners claim due to storm damage.
• B. An automotive collision claim.
• C. A slip and fall claim.
• D. A medical malpractice claim.

Answer: (D)

Claims-made forms are built around when a claim is reported, not when the incident happened. This structure works particularly well for professional liabilities, where a lawsuit or claim can arise long after the actual event, so the policy in force at the time the claim is made provides the coverage. Medical malpractice fits this pattern because injuries or damages from medical care may not be discovered or alleged until years later, making continuous or tail coverage important to ensure protection for claims filed during the policy period.

Other lines like homeowners, auto, and slip-and-fall claims are typically written on occurrence forms, which cover any incident that occurs during the policy period, even if the claim is filed later. That setup makes them less likely to use a claims-made form.