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Occurrence Policy

⚖️ Liability

A liability policy that covers claims for incidents that happen during the policy period — even if the claim shows up years later.

🎓 Agent note Occurrence beats claims-made for long-tail exposures because there’s no tail to buy. If a client is switching from claims-made, mind the gap.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Liability Insurance Professional Liability (E&O) Errors & Omissions (E&O) Umbrella Insurance Excess Liability Claims-Made Policy Retroactive Date Tail Coverage (ERP)

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