Certified Insurance Service Representative (CISR) Commercial Casualty I Practice Exam

In liability insurance, occurrence is the term that covers a one-time accident or exposure to a harmful condition that may happen repeatedly over time or be continuous. This means a single incident or an ongoing exposure to the same harmful condition can still count as one occurrence if it results in damage during the policy period. That broad scope is what makes occurrence the best fit for the described situation.

The other terms don’t fit this concept. Slander refers specifically to defamation, not the broad event that triggers coverage. Offense isn’t a standard liability term describing how events unfold. Risk is about the likelihood of loss, not the nature of the event that triggers coverage.