Insurance 101 – Chapter 9 – Volume 15 – Number of Occurrences

Number of Occurrences

CGL policies are written with endorsements that make the number of occurrences highly important, especially in continuing loss cases.  Deductibles or Self-Insured Retentions are charged based on the number of occurrences or the number of claims. Policy limits can  apply individually per occurrence, individually per loss, individually per claim, or in the aggregate over a one year period. The test applied is usually objective.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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