Under the Occurrence form, BI or PD occurring during the policy period are covered regardless of when a claim is made.

• A. True
• B. False
• C. Only if the insured reports promptly
• D. Only if a supplemental policy is in effect

Answer: (A)

In an occurrence form, the trigger for coverage is the date the bodily injury or property damage occurs, not when the claim is filed. If the event happens during the policy period, the policy will respond to claims arising from that event even if the claim is reported after the policy has expired. This is what sets occurrence apart from claims-made, where coverage depends on the timing of the claim itself. So the statement is true: BI or PD occurring during the policy period are covered regardless of when a claim is made. Prompt reporting or a supplemental policy isn’t required for this rule to apply; coverage is determined by the occurrence date.