{"id":23584,"date":"2025-11-10T09:09:13","date_gmt":"2025-11-10T09:09:13","guid":{"rendered":"https:\/\/thebusinessculture.co.uk\/hey\/know-how\/understanding-claims-made-vs-claims-occurring-policies-key-differences-and-the-implications-2\/"},"modified":"2025-11-10T09:09:13","modified_gmt":"2025-11-10T09:09:13","slug":"understanding-claims-made-vs-claims-occurring-policies-key-differences-and-the-implications-2","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-2\/","title":{"rendered":"Understanding Claims Made vs Claims Occurring Policies: Key Differences and the Implications"},"content":{"rendered":"<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"d634d5b8-fdbd-4529-99ca-5a35a50164c3\" data-testid=\"conversation-turn-12\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"6c29673a-896b-4e28-bb76-68036b31085b\" data-message-model-slug=\"gpt-5\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"0\" data-end=\"184\">Understanding the difference between a \u201cclaims-made\u201d policy and a \u201cclaims-occurring\u201d policy could be the key to avoiding nasty surprises when it comes to when and how you\u2019re insured.<\/p>\n<p data-start=\"186\" data-end=\"458\">At McClarrons, we make sure you understand this distinction so your cover actually works the way you expect \u2014 especially in sectors like care, construction or professional services where claims can surface years after the event.<\/p>\n<p data-start=\"460\" data-end=\"495\">In our article we explore what a <strong data-start=\"505\" data-end=\"520\">claims-made<\/strong> and a <strong data-start=\"675\" data-end=\"695\">claims-occurring<\/strong> policy covers. The article also covers key implications when you switch insurers, retire, or close a business \u2014 including the need for things like run-off cover and continuing retroactive dates.<\/p>\n<p data-start=\"1044\" data-end=\"1156\">If you want to avoid gaps in cover and ensure you\u2019re protected no matter when a claim comes in \u2014 <a href=\"https:\/\/www.mcclarroninsurance.com\/news\/claims-made-vs-claims-occurring\/\">read more here.<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the difference between a \u201cclaims-made\u201d policy and a \u201cclaims-occurring\u201d policy could be the key to avoiding nasty surprises when it comes to when and how","protected":false},"author":12313414,"featured_media":23585,"template":"","know_how_category":[],"class_list":["post-23584","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\/23584","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":0,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know-how\/23584\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/media\/23585"}],"wp:attachment":[{"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/media?parent=23584"}],"wp:term":[{"taxonomy":"know_how_category","embeddable":true,"href":"https:\/\/thebusinessculture.co.uk\/hey\/wp-json\/wp\/v2\/know_how_category?post=23584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}