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 policy

The traditional occurrence liability insurance method provides coverage for losses from liability-imposing causes which occurred during the policy period, regardless of when the claim is asserted. Once the policy period is over in a claims-made form, the approximate extent of the underwriter's liability is known. With the traditional occurrence liability coverage method, the underwriter may not discover the extent of liability for years to come from losses claimed to have occurred within the policy period.

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