03/20/2026
Understanding how your liability policy responds to a claim can make all the difference when it matters most.
Occurrence vs. claims-made isn’t just insurance terminology—it directly impacts when coverage applies, how long you’re protected, and whether gaps could leave your business exposed.
Occurrence policies respond based on when the event happens, offering long-term protection even after a policy ends. Claims-made policies, on the other hand, respond when the claim is reported—making timing, retroactive dates, and continuous coverage critical.
Each structure has its place, and the right fit depends on your business, industry, and risk profile.
At AMI, we help businesses navigate these differences, avoid costly coverage gaps, and build programs that truly protect what they’ve built.
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