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Defining Occurrence: The Cases, Concepts, and Conflicts Driving CGL Coverage

What counts as an “occurrence” under a CGL policy? The answer can determine which coverage applies, how many limits are available, and how much an insured pays before coverage begins. This webinar traces the evolution of occurrence language across ISO forms and examines influential cases involving intent, construction defects, mass casualty events, product liability, and long-tail exposures. Compare cause and effect theories, consider emerging issues involving PFAS, cyber, and AI, and gain practical guidance for approaching occurrence analysis with greater confidence. 

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Webinar Details

Defining Occurrence: The Cases, Concepts, and Conflicts Driving CGL Coverage

Just 28 words in the CGL definition of “occurrence” can have million-dollar consequences. Examine the cases, policy language, and coverage conflicts behind this critical term. Discover how courts interpret occurrence, why counting occurrences matters, and how construction defects, long-tail exposures, mass casualty events, cyber claims, and other emerging risks complicate the analysis. 

Date and Time
Webinar Duration
120 minutes
CE Requirements
Verify your state and license CE requirements
Topics
  • Trace the process that turns raw carrier data into official industry valuation tables such as the CSO and IAM
  • Distinguish cause theory from effect theory and see how each can change limits and SIR calculations.
  • Assess how courts approach expected or intended injury, construction defects, and multiple insureds.
  • Connect occurrence analysis with long-tail exposures, trigger theories, and multiple policy years.
  • Consider emerging coverage questions involving PFAS, opioids, cyber events, and AI-related risks.
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