Which of the following best describes an Occurrence in policy terms?

• A. An accident including continuous or repeated exposure to substantially the same general harmful conditions
• B. A single, isolated event only
• C. A policy misstatement
• D. A contractual dispute

Answer: (A)

In liability policy terms, an occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions, that results in bodily injury or property damage during the policy period. This definition matters because it sets when coverage is triggered and how losses are counted under the policy limits. The inclusion of "continuous or repeated exposure" covers long-running problems (like a leaking pipe or ongoing environmental exposure) as a single occurrence if the resulting damage happens within the policy term. The other options describe scenarios that don’t fit this definition: a momentary, isolated event is too narrow, and policy misstatements or contractual disputes aren’t the events that define an occurrence in standard liability coverages.