At the heart of general liability insurance is coverage for a policyholder's liability for bodily injury and property damage caused by an occurrence. Since 1986, an occurrence has been defined in standard-form language as an accident, including continuous or repeated exposure to substantially the same general harmful conditions.
Insurers and agents may need to step in and educate their insureds as manufacturers continue to add more computerized driver assist features to vehicles.
Agents and brokers, insurers and policyholders have all learned from 2017's unrelenting hurricanes and wildfires, and will carry that knowledge with them going forward.