An occurrence form relates to what aspect of coverage?

An occurrence form relates to the coverage provided by the insurance policy that was in effect at the time the event causing the claim took place. This concept is essential because it establishes that the insurer at the time of the incident is responsible for the coverage. In the case of liability claims, for example, the occurrence form means that if an event occurred while the policy was active, the insurer covering that policy is liable for claims arising from that incident, regardless of when the claim is reported.

This is different from other forms of insurance policies, such as claims-made forms, which require that both the event occur and the claim be filed during the active policy period for coverage to apply. Therefore, option B accurately highlights the importance of identifying the insurance company that provided coverage at the time of the occurrence as the key aspect of the occurrence form. Other options miss this critical connection to the timing of the event relative to the policy's validity.