1-877-900-9998 Call
/ BLOG

Business Insurance Explained: “Occurrence” vs. “Claims Made”

Even with the best intentions, the insurance industry can be quite confusing at times. A great example is the subtle yet important concept of “Occurrence” business insurance policies vs. “Claims Made” business insurance policies. These are relatively obscure sounding terms that can have big consequences on how your coverage responds.

Occurrence policies respond to events that happen while the policy that was in effect. This is true regardless of how far back that event was from the time the actual claim was reported to the insurance company, or whether the same insurance company is currently insuring your business. An example is someone who trips in an office, but doesn’t experience back pain until several months later. By this time, the business may have switched insurance companies. However, the claim would be handled by the insurance company providing coverage at the time that the slip occurred. Most General Liability insurance policies are written on Occurrence based policy forms.

A Claims Made policy is one in which the current insurance company is responsible for claims made during the current policy period only, even if the event that gave rise to the claim occurred during a previous time. In the above example, the business owner’s current insurance company would be responsible for the claim, not the insurance company providing coverage when the actual slip occurred. Most Professional Liability (aka E&O) insurance policies are written on a Claims Made based policy form.

Claims Made policy holders, use caution! Under some circumstances, Claims Made policies may not respond to events that happened before your current policy period. To avoid this, it is important to pay attention to something called the “retroactive date” on the policy. This is what determines how far back in time your coverage will respond. Most insurance companies are willing to backdate this to the first date you purchased the coverage, as long as you can show that you have had insurance in place continuously during that time and that you have not had any claims filed.

No Responses

  1. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks a lot, A lot of postings!

    viagra uk online viagra uk viagra movie
    viagra for women
    rockbottom pharmacy viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  2. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Very good write ups. Appreciate it.

    cheapest price for viagra and cialis canadian pharmacy otc viagra
    viagra without a doctors prescription
    funny viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  3. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Useful tips. Cheers.

    buy generic viagra usa wholesalers of viagra
    buy viagra
    growing heather viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  4. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Many thanks, I appreciate this.

    india cheap drugs viagra mixing viagra with cocaine
    viagra 100mg
    obtain a prescription for viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  5. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    With thanks, An abundance of data.

    i need viagra today viagra quick tab
    generic viagra
    mental exerices instead of viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  6. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You explained that really well.

    availability of viagra is viagra available on the nhs
    viagra online
    viagra crooks – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  7. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Helpful material. Many thanks!

    cost viagra viagra covered by kaiser insurance
    viagra for sale uk
    cheap viagra without prescription – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  8. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You made your point pretty well!.

    pfizer viagra viagra and stanozolol
    generic viagra 100mg
    viagra as altitude medicine – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  9. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put. Thanks!

    canadas viagra number online pharmacy russian man dies of viagra
    buy generic viagra
    levitra v viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  10. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Well expressed certainly. !

    caverta veega generic viagra what medical insurance programs cover viagra
    buy viagra online
    information viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  11. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Cheers! Loads of write ups.

    female viagra by mail info viagra
    generic viagra 100mg
    viagra by mail canada – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  12. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Great data. With thanks.

    otc alternitives for viagra viagra sales from canadian pharmacy
    buy viagra
    generic mexico pharmacy viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  13. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You stated it adequately.

    buy viagra in london england wicapedia ginaric viagra
    buy generic viagra
    free sites results computer viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  14. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Kudos! I value this!

    viagra non perscription deal sale bose wave radio viagra
    buy viagra online
    viagra pay by e-check – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  15. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually revealed it perfectly.

    how to buy viagra without prescription viagra constipation
    viagra for women
    viagra and affiliate – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  16. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Great forum posts, Many thanks.

    viagra gel jelly taking viagra and alcohol
    viagra 100mg
    medicare advantage programs covering viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  17. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Amazing all kinds of terrific facts!

    safe maximum viagra dosage viagra usage
    viagra for sale uk
    cheap genaric viagra cialis soft – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  18. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Superb info. Thank you!

    viagra doctor bite hard viagra dicks
    generic viagra 100mg
    new life generic viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  19. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Regards. I enjoy it.

    amoxicillin zyrtec generic drugs viagra rxpricebusterscom viagra woman’s opinions
    cheap viagra
    getting peak performance from viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  20. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put, Thanks.

    viagra masturbation distance liquid viagra dauquiri recipe
    generic viagra 100mg
    whats the active ingrediant for viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  21. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Superb material. Thanks a lot!

    can viagra make you hard non prescription viagra australia
    buy generic viagra
    viagra cheapest price – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  22. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You definitely made your point!

    cialis viagra vs viagra child labor
    buy generic viagra
    pictures of men on viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  23. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Kudos, Valuable stuff.

    taking viagra after cialis viagra blue pill
    viagra 100mg
    what is maximum dosage of viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  24. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You mentioned it fantastically!

    cheap generic viagra worcester imc overnight delivery viagra
    buy viagra
    viagra exp date – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  25. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Beneficial advice. Thanks!

    what makes viagra work disp no 19105 viagra
    viagra generic
    cialis viagra viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  26. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Wow plenty of amazing data.

    viagra ring anti viagra
    viagra pills
    viagra siesta – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  27. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Incredible a lot of great material.

    viagra substitute china video viagra
    generic viagra 100mg
    buy viagra on line uk – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  28. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    This is nicely put! .

    viagra in asia g postmessage viagra guest online
    cheap viagra
    ginko viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  29. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Wow quite a lot of superb knowledge.

    cialis viagra softabs walgreens coupons viagra
    viagra without a doctor prescription
    viagra free trial – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  30. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Great knowledge. With thanks.

    young adults viagra does viagra work faster if crushed
    viagra for sale uk
    can viagra be split – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  31. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Seriously lots of helpful info!

    what happen from viagra using levitra and viagra together
    viagra without a doctor prescription
    viagra half dosage or full strength – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  32. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    This is nicely expressed! .

    viagra ordering on line viagra overseas
    generic viagra 100mg
    slogan’s for viagra – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  33. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually expressed this terrifically.

    does viagra go stale viagra in saudi arabia
    generic viagra online
    staggering viagra dosage – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  34. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Really lots of wonderful material.

    generic viagra price compare does old viagra still woek
    viagra without a doctor prescription
    viagra and duration of erection – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  35. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Truly quite a lot of excellent data.

    find viagra free sites edinburgh computer viagra online generic
    cheap viagra
    generic viagra without perscription 10 pills – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  36. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Excellent posts. Thanks a lot.

    connecticut generic caverta viagra mark martin tam caliber viagra hauler
    buy viagra online
    drug female viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  37. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely put. Many thanks!

    coffin viagra drug interactions flomax viagra
    generic viagra 100mg
    what works as well as viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  38. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Amazing a lot of valuable information!

    order viagra international ships counter over viagra
    generic viagra
    wholesale viagra cheap from america – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  39. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You explained it effectively!

    uk viagra sales how to buy viagra cheap
    viagra without a doctor prescription
    q a viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  40. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Good stuff. Thank you!

    generic generic viagra tadalafil hamster viagra jokes
    cheap viagra
    typical viagra results – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  41. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Many thanks. I appreciate it!

    side effects of taking canadian viagra personalized viagra gifts
    buy generic viagra
    online sales viagra – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  42. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Thanks! Plenty of content!

    does pink viagra really work discount viagra sales online
    buy viagra
    headache viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  43. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Superb tips. Cheers!

    edinburgh news viagra search comment viagra attorneys
    buy viagra online
    charles viagra search pages edinburgh – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  44. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Amazing lots of superb advice.

    asian viagra viagra in drink
    viagra for women
    does viagra give semen a flavor – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  45. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Nicely spoken truly. .

    online viagra purchasing pfizer sales of viagra in canada
    generic viagra
    dithiazide and viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  46. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Terrific information. Thanks!

    viagra counter act with lisinopril buy online genuine pfizer viagra
    generic viagra
    las vegas kamagra viagra about – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  47. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Whoa all kinds of amazing data!

    shipping free viagra viagra keeps girl alive january jessica
    viagra for sale uk
    texas flomax interaction viagra – https://genericviagrarcp.com

    Keithdaync
    RichardSox
    Ernestoexpic

  48. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Excellent posts. Thanks.

    will hydrochlorothiazide affect viagra does viagra help with pe
    viagra 100mg
    viagra hypotension alcohol – https://genericviagramsl.com

    Keithdaync
    RichardSox
    Ernestoexpic

  49. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    Many thanks! I enjoy this.

    viagra talking photo cube buy viagra on line
    viagra online
    staggering viagra dosage – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

  50. Ernestoexpic says:
    Your comment is awaiting moderation. This is a preview, your comment will be visible after it has been approved.

    You actually revealed that well.

    viagra experience stories viagra best prices
    viagra 100mg
    viagra for pet – https://genericviagrantx.com

    Keithdaync
    RichardSox
    Ernestoexpic

Leave a Reply

Popular Searches