Florida Insurance Claims Adjuster License Practice Exam

What does the Occurrence form apply to?

1. Any BI or PD occurring after the policy period

2. Claims made after the policy period

3. BI or PD occurring during the policy period

4. Only to employees of the insured

The correct answer is: BI or PD occurring during the policy period

The Occurrence form applies to any BI or PD that occurs during the policy period, regardless of when the claim is made. This means that as long as the incident that caused the BI or PD occurred during the policy period, the insurance policy will provide coverage. Option A is incorrect because it specifies occurring after the policy period, which is not covered by the Occurrence form. Option B is incorrect because it refers to claims made after the policy period, which is not the determining factor for coverage under the Occurrence form. Option D is incorrect because it limits the coverage to only employees of the insured, whereas the Occurrence form may cover third parties as well.