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Is the definition of 'occurrence' met when there is no accident? (Photo: Shutterstock) Is the definition of ‘occurrence’ met when there is no accident? (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: The general liability policy pays for the sums that the insured is legally liable to pay as damages because of “occurrences” of “bodily injury,” “property damage,” or “personal and advertising injury” as described in the coverage form. This week’s question reveals the importance of definitions in determining whether or not coverage will apply in a claim situation.

FC&S Editors

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