An occurrence that causes a tort or civil wrong, resulting in injury or property damage, is called a

An occurrence that causes a tort or civil wrong, resulting in injury or property damage, is called a

• A. Liability Trigger
• B. Event
• C. Incident
• D. Accident

Answer: (A)

In liability insurance, coverage is activated by a trigger—the event that brings the insurer’s duty to defend and indemnify into play. The occurrence described is the harmful event that results in injury or property damage, and the label that connects that event to the insurer’s obligation is the liability trigger. While an accident, incident, or event can describe what happened, these terms refer to the occurrence itself rather than the policy’s activation mechanism. The liability trigger specifically denotes the point at which liability coverage begins in response to that harm.

In liability insurance, coverage is activated by a trigger—the event that brings the insurer’s duty to defend and indemnify into play. The occurrence described is the harmful event that results in injury or property damage, and the label that connects that event to the insurer’s obligation is the liability trigger. While an accident, incident, or event can describe what happened, these terms refer to the occurrence itself rather than the policy’s activation mechanism. The liability trigger specifically denotes the point at which liability coverage begins in response to that harm.