What does the term "Occurrence" mean in the context of Liability Insurance?

In the context of Liability Insurance, the term "Occurrence" is most accurately described as referring to continuous or repeated exposure to the same conditions. This definition acknowledges that an occurrence may not solely be a singular event, such as an accident, but rather can encompass a pattern of incidents or a series of events that lead to liability.

For instance, in cases of environmental damage, continuous exposure to pollutants over a period may comprise multiple occurrences that manifest over time but are related to the same underlying issue. This broad interpretation allows for a more comprehensive understanding of liability, particularly in situations where harm or damage develops gradually, rather than from a single isolated incident.

The other definitions do not capture the full scope of what an occurrence can entail in liability contexts. A definition focused solely on a single accident limits the interpretation and could exclude many valid claims arising from a series of related actions. Similarly, defining an occurrence as an event that was intentional or tied strictly to claims reported during the policy term narrows its application and does not encompass the broader implications of liability that can arise from ongoing exposures or patterns of behavior.