What kind of incidents does "occurrence" coverage typically exclude?

Occurrence coverage in insurance typically relates to events that happen during the policy period, regardless of when the claim is reported. When a policy expires, it ceases to be in effect, and any incidents that occur after this expiration date would not be covered. This is because coverage is linked to the lifetime of the policy rather than the timing of claims.

In this context, incidents that happen after the policy expires are not eligible for coverage, aligning with standard insurance practices where coverage is only applicable for risks taken while the policy remains active. Therefore, if an event occurs after the expiration of an insurance policy, it falls outside the scope of protection offered by that policy.

Other options do not appropriately reflect common exclusions. For example, claims reported after the claim period might still refer to incidents occurring during the policy period but not reported in time, which is a different consideration from the timing of when incidents occur relative to the policy itself. Incidents occurring in any location typically would not be excluded by occurrence coverage, as long as they fall within the policy's defined terms. Lastly, stating that there are no exclusions is not accurate since all insurance policies usually include specific limitations and exclusions.