{"id":23107,"date":"2025-10-13T08:09:23","date_gmt":"2025-10-13T08:09:23","guid":{"rendered":"https:\/\/thebusinessculture.co.uk\/hey\/?post_type=know-how&#038;p=23107"},"modified":"2025-10-13T08:09:23","modified_gmt":"2025-10-13T08:09:23","slug":"understanding-claims-made-vs-claims-occurring-policies-key-differences-and-the-implications","status":"publish","type":"know-how","link":"https:\/\/thebusinessculture.co.uk\/hey\/know-how\/understanding-claims-made-vs-claims-occurring-policies-key-differences-and-the-implications\/","title":{"rendered":"Understanding Claims Made vs Claims Occurring Policies: Key Differences and the Implications"},"content":{"rendered":"<p data-start=\"106\" data-end=\"286\">Choosing the right liability policy wording can make a big difference, sometimes the difference between being covered or not when a claim arises after many months or even years.<\/p>\n<p>&nbsp;<\/p>\n<p data-start=\"288\" data-end=\"576\">We know that terms like <em data-start=\"327\" data-end=\"340\">claims-made<\/em> and <em data-start=\"345\" data-end=\"363\">claims-occurring<\/em> aren\u2019t just legal jargon. They determine <strong data-start=\"405\" data-end=\"413\">when<\/strong> you\u2019re covered, whether for work done years ago, or for a new issue reported late, and whether you need extra protections like \u201crun-off\u201d or retroactive cover.<\/p>\n<p>&nbsp;<\/p>\n<p data-start=\"1182\" data-end=\"1265\">Find out how the right wording and protection can avoid surprises \u2014 read more <a href=\"https:\/\/www.mcclarroninsurance.com\/news\/claims-made-vs-claims-occurring\/\">here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Choosing the right liability policy wording can make a big difference, sometimes the difference between being covered or not when a claim arises after many months or even years.","protected":false},"author":12313414,"featured_media":23108,"template":"","know_how_category":[],"class_list":["post-23107","know-how","type-know-how","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know-how\/23107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know-how"}],"about":[{"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/types\/know-how"}],"author":[{"embeddable":true,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/users\/12313414"}],"version-history":[{"count":1,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know-how\/23107\/revisions"}],"predecessor-version":[{"id":23338,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know-how\/23107\/revisions\/23338"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/media\/23108"}],"wp:attachment":[{"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/media?parent=23107"}],"wp:term":[{"taxonomy":"know_how_category","embeddable":true,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know_how_category?post=23107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}