Triggering coverage under a liability policy / Rosmi Yuhasni Mohamed Yusuf

Two widely differing approaches are used by insurers to determine coverage when
writing liability insurance. The difference centers upon the event that triggers
coverage and is known as the coverage trigger. The two approaches are known as
claims made and occurrence. This paper is an attempt to explain and investigate the
relevancy of both mechanisms used in determining the question of coverage when a
particular claim is made.