In umbrella policy terminology, an occurrence is defined as which of the following?

• A. An accident including continuous and repeated exposure to conditions, resulting in personal injury, property damage or advertising injury neither expected nor intended by the insured
• B. A single event
• C. An intentional act
• D. A contractual dispute

Answer: (A)

Occurrence in umbrella policy terms means an accident, including continuous or repeated exposure to conditions, that results in personal injury, property damage, or advertising injury and is not expected or intended by the insured. This definition matters because umbrella coverage kicks in after the underlying limits are exhausted, and the way an occurrence is counted can affect how many claims or damages are covered. Continuous exposures can be treated as a single occurrence if the resulting injury or damage was unintentional, which is different from an intentional act (excluded) or a contractual dispute (not covered).