Occupations which expose the insured to greater than normal physical danger by the very nature of the work in which the insured is engaged, and the varying periods of absence from the occupation, due to the disability, that can be expected.
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Occupations which expose the insured to greater than normal physical danger by the very nature of the work, in which the insured is engaged, and the varying period of absence from the occupation, due to the disability, that can be expected.

For coverage to be provided, the act giving rise to a claim needs to occur within the policy period. The claim does not need to be reported during the policy period. Used with liability policies.
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A form of reinsurance under which the date of the loss event is deemed to be the date of the occurrence, regardless of when reported. See Claims-made basis.

A liability insurance policy that covers claims arising out of occurrences that take place during the policy period, regardless of when the claim is filed.
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In Liability insurance, a policy that pays for events that occur during its policy term, regardless of which a claim is filed. That is, an expired occurrence policy will pay a valid claim even if the claim is made years late, provided that the event occurred while the policy was in effect.

A type of short-term disability income contract that reimburses the insured person for specified, fixed monthly expenses, normal and customary in the operation and conduct of his/her business or office.

A stand-alone policy that covers the named insured’s liability for bodily injury (BI) and property damage (PD) caused, in whole or in part, by an independent contractor’s work for the insured. The contractor purchases the policy to provide coverage for vicarious liability the client (project owner) incurs as a result of the contractor’s acts or omissions on the project. The OCP policy also responds to liability arising out of the insured’s own acts or omissions in connection with its general supervision of the contractor’s operations.
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A stand-alone policy that covers the named insured&#8217s liability for bodily injury (BI) and property damage (PD) caused, in whole or in part, by an independent contractor&#8217s work for the insured. The contractor purchases the policy to provide coverage for vicarious liability the client (project owner) incurs as a result of the contractor&#8217s acts or omissions on the project. The OCP policy also responds to liability arising out of the insured&#8217s own acts or omissions in connection with its general supervision of the contractor&#8217s operations.