This is the most commonly used policy form. The trigger for coverage is when the claim is made and whether the policy is currently inforce. Coverage extends from a Retro-Active date on your declaration page and will only respond if the policy is currently in force. Keep track of this date, if you ever change carriers and don’t bring the nose into the new policy or cover the tail as you exit, there is no coverage for claims in the future when the policy is no longer in force. About 15 years ago the Occurrence policy was also written but today has been all but phased out.