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An Occurrence Policy May Offer You Better Protection

If you don’t currently have coverage, we’d recommend an occurrence policy instead. An occurrence policy covers incidents that happen during the policy period, regardless of when a claim is filed (even if it’s many years after the policy has ended).

If you continue with a claims-made policy, you’ll only be covered if both the incident and claim occur while the policy is active. You may also need to carry prior acts and or tail coverage.

We strongly advocate for choosing an occurrence policy as the preferred coverage type.