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- “Occurrence” policies protect you from any covered incident that occurs during the policy period, regardless of when a claim is filed. You could report a claim years later for an incident that happened during the policy period.
- “Claims-made” policies protect you from incidents that occur, or allegedly occur, before the expiration of the policy period and after the retroactive date shown on the declarations—but only if the claim is first made against you during the policy period or extended reporting period, if applicable.