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Get And Sign WITH RESPECT TO ALL COVERAGE PARTS, THE POLICY YOU ARE APPLYING FOR IS A CLAIMS MADE POLICY, AND SUBJECT TO ITS PROVISIONS, APPL Form

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Instructions and help about WITH RESPECT TO ALL COVERAGE PARTS, THE POLICY YOU ARE APPLYING FOR IS A CLAIMS MADE POLICY, AND SUBJECT TO ITS PROVISIONS, APPL

hello I'm Jeff Gordon I'm gonna try to give you in less than three minutes a overview of the difference in liability policies the occurrence form versus in a forum so let's get right into it a current form was the traditional form of liability covers for years and years and claims made was developed as a lower-cost way of providing liability coverage and it also allowed the reason it's lower cost is allow insurance companies to close their books as an update termination of a policy for anything that might have happened that it has not been reported so let's give an example so in the occurrence form the insurance company policy that response is response when loss actually occurred so for example let's say here at our office outside our building someone slips and falls on July of 2012 and we don't know about it we don't hear about it but a year goes by and they're still 18 things aren't quite right they finally contact an attorney and the attorney says just something let's sue those guys

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