Which statement describes the occurrence form for CGL?

• A. BI/PD must occur during the policy period for coverage to apply.
• B. BI/PD must be reported within 60 days of occurrence.
• C. The policy covers only to the extent the event occurs in the insured's state.
• D. The occurrence form limits coverage to the first two years.

Answer: (A)

In an occurrence form, coverage is triggered when bodily injury or property damage happens during the policy period. If the event occurs while the policy is in force, the insurer will respond to claims arising from that event, even if the suit is filed later, as long as the event itself happened during the period of that policy and other terms (limits, exclusions, etc.) are met. That timing rule is what sets the occurrence form apart from other types.

So the statement that BI/PD must occur during the policy period for coverage to apply describes the essential feature of the occurrence form. The other options don’t fit because: reporting within 60 days is a claims-made concept rather than an occurrence trigger; coverage being limited to the event within the insured’s state is about territorial limits rather than the occurrence timing; and a two-year limit is not how an occurrence form operates—there isn’t a blanket two-year cap like that for BI/PD under the standard form.