Occurrence policy

An occurrence policy provides ongoing insurance protection for events that occur during the policy period, even if they are reported after the policy is cancelled. Occurrence policies are generally more expensive, but it is not necessary to buy tail or prior acts coverage after an occurrence policy expires.

Available limits

Occurrence policies are available with the following limits. Limits in excess of $500,000 require approval by the TMLT Underwriting Department.

Each Claim / All Claims

• $100,000 / $300,000
• $200,000 / $600,000
• $500,000 / $1 million
• $1 million / $3 million