Which insurance policy type typically excludes occurrences noted before the policy period?

The correct answer is a claims-made policy. This type of insurance coverage is specifically designed to provide protection for claims that are made during the policy period, regardless of when the incident leading to the claim occurred, as long as it falls within the time frame of coverage. However, one of the critical features of claims-made policies is their exclusion of occurrences or claims that were noted or may have occurred before the start date of the policy. This is known as the "retroactive date," which establishes a cutoff point for coverage.

In contrast, occurrence policies provide coverage for events that take place during the policy period, regardless of when the claim is filed, ensuring a broader, more inclusive coverage. The commercial general liability policy can be either claims-made or occurrence-based, and health insurance policies typically cover medical expenses rather than liability claims, making their operation distinct. Therefore, the nature of claims-made policies is what makes them specifically exclude occurrences noted before their effective date.