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When Do "Occurrences" Occur?

One of the most often misunderstood insurance issues involves what event triggers coverage under a liability policy? Is it when the negligence occurs or when, possibly years later, the BI or PD occurs? Is there a difference in the coverage trigger between an occurrence and a claims-made policy? How does this issue affect discontinued operations and products exposures? In this article, we'll attempt to solve these mysteries.

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