An OCCURRENCE-based CGL policy with a one-year term ending December 31, 2024, is in force. Bodily injury occurs on October 1, 2024, but the claim is not filed against the insured until April 2027. Which policy responds?
Explanation
Under an OCCURRENCE policy, coverage is triggered by the date of the OCCURRENCE (the bodily injury or property damage), not the date the claim is reported or filed. Even though the claim was filed almost three years later, the October 2024 policy responds. A CLAIMS-MADE policy works the opposite way: it would be triggered only if the claim were made (and reported) during the policy period.
Law Reference: ISO CGL – Occurrence vs. Claims-Made triggerThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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