WORKERS COMPENSATION & GENERAL LIABILITY INSURANCE. CALL FOR A QUOTE 626-696-3706
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the two TYPES OF GENERAL LIABILITY POLICIES
OCCURRENCE
With an occurrence-based policy, you’ll be protected as long as the loss happened while your policy was active. As long as you were insured when the incident occurred, you can file a claim with your insurer. Occurrence policies accommodate “long-tail” events – situations that don’t produce lawsuits or claims right away
CLAIMS MADE
With a claims-made policy, your coverage only kicks in when you file a claim during the policy period. As long as an insurable event happened after the policy’s effective date, your insurer should provide coverage. With a claims-made policy, you need to have active insurance when you file a claim. If you canceled your policy – or forgot to pay your premium and the insurer canceled it – you’ll be uninsured.
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