An occurrence is an act or series of related acts. This means that if the acts that cause the loss are numerous but related they are considered to be one occurrence. An occurrence is an act or series of related acts. This means that if the acts that cause the loss are numerous but related they are considered to be one occurrence. Photo: PR Image Factory/Adobe Stock

This is the final installment of previously issued articles on what is an "occurrence?" Even though the term "occurrence" is defined, disagreement over its meaning has led to conflicts between insurers and insureds; often resulting in litigation. This part discusses the meaning of occurrence in crime policies, in the discovery form and the loss-sustained forms.

Discover definition

Before we can look at the definition of "occurrence," we must first look at the definition of "discover," since coverage is predicated upon the insured first discovering that there is a loss. The definition of "discover" or "discovered" is identical in both the discovery form and the loss-sustained form:

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