When does coverage from a commercial general liability occurrence form come into effect?

The coverage from a commercial general liability occurrence form comes into effect when damage occurs during the policy period. This is a crucial aspect of liability insurance because it establishes that the policy will provide coverage for incidents that happen while the policy is active.

In this context, the focus is on the occurrence of the actual event that causes liability, such as bodily injury or property damage, rather than when the claim is reported or when the insurer begins to investigate that claim. The policy is designed to respond to incidents that occur within the specific time frame outlined in the policy, ensuring that valid claims made for events occurring within this period are covered, even if those claims are filed at a later date. This approach is beneficial for policyholders, as it protects them against risks that occur during the covered period, regardless of when the claims are formally filed with the insurance company.