Home Owners Life/Disability Auto Motorcycle Boat Personal Umbrella

Policy Description Basic Homeowners Broad Homeowners Special Homeowners Compre. Homeowners Adequate Coverage Replacement Cost Large Deductible Renters Flood Tornado

Term Whole Life Universal Life Juvenile Life Disability

Policy Description Best Value/Dollar Blue Book Value

Property Casuality Niche Programs Employee Benefits

Property Bldg. Laws Safeguards General Liability Emp, Benefit Liab. Employer Liability Aircraft Products Liab. Sexual Harassment Dir. & Officers Liab. Professional Liability Elect. Data Proc. Cov. Kidnap or Ransom

Real Estate Brokers Capital Goods Manufact. Artisan Contractors Water Dealers Moving & Stor. Agenc. Religious Org. Program Not For Profit Org. Metalworkers

Traditional Voluntary Communications

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occurrence

1) In a non-insurance sense, an incident, event or happening. In insurance, the term may be defined as continual, gradual or repeated exposure to an adverse condition which is neither intended nor expected to result in injury or damage, as contrasted with an accident, which is a sudden happening. In reinsurance, per-occurrence coverage permits all losses arising out of one event to be aggregated instead of being handled on a risk-by-risk basis.

2) One basis or determinant for calculating the amount of loss or liability in insurance or reinsurance when an aggregation of related losses is to constitute a single subject of recovery. For example, in property catastrophe reinsurance treaties, occurrence is usually defined so that all losses within a specified period of time involving a particular peril are deemed an occurrence.

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