The occurrence form trigger is based on which event?

• A. The date of the injury or damage
• B. The date the policy was issued
• C. The date the claim is filed
• D. The policy expiration date

Answer: (A)

The key idea is that an occurrence form is triggered by the actual event of injury or property damage. Coverage hinges on when the incident happened, not on when the policy was issued, when a claim is filed, or when the policy expires. If the injury or damage occurs during the policy period, the occurrence form provides coverage for that event, even if the claim is filed later or after the policy term—subject to the policy’s terms and any tail coverage. The other dates listed don’t determine coverage under an occurrence form.