Which type of coverage is written with a per occurrence limit?

Bodily injury and property damage coverage is designed to address claims arising from injuries or damages sustained by third parties due to the insured's operations, products, or premises. It typically includes a per occurrence limit, which defines the maximum amount an insurer will pay for a single incident or claim. This means that if multiple claims arise from separate incidents, each claim can be paid up to that limit, providing both the insurer and the insured with clarity on the coverage for individual occurrences.

In this context, bodily injury and property damage coverage is essential for businesses or individuals that might face a variety of claims, ensuring specific limits apply for each event rather than accumulating claims under a single total limit. This structure manages the insurer's risk effectively while giving insured parties adequate assurances regarding how they are covered for different incidents.

Other coverage types mentioned may employ different structures and do not strictly adhere to a per occurrence limit in the same way. For example, personal injury may relate to non-physical injuries (like defamation) and may not always follow the same claims limit structure. General liability encompasses broader coverage, often including various types of claims under separate limits. Medical payments, commonly part of liability policies, usually do not have a per occurrence limit as they are often paid out more