Which policy would cover claims for occurrences that happen after a CGL policy expires but before tail coverage ends?

A claims-made policy is specifically designed to provide coverage for claims arising from incidents that occur after the policy's effective date and are reported during the time the policy is active, but it also extends its coverage through an endorsement known as tail coverage.

Tail coverage, which can be added to a claims-made policy, allows for claims arising from incidents that occurred during the period the policy was in force, even if those claims are reported once the policy has expired, as long as they are reported before the tail coverage period ends. This feature is beneficial for insured parties who want to ensure they maintain protection for claims that may surface after their policy has lapsed, as long as the incidents occurred while the policy was active.

In contrast, an occurrence policy offers coverage for incidents occurring during the policy period, regardless of when the claim is reported. The general liability policy is a broader term that refers to different types of coverage, including occurrence and claims-made policies, but it does not specifically address the unique aspects of tail coverage associated with claims-made policies. A supplemental CGL policy typically extends coverage or modifies standard coverage; however, it does not specifically align with the claims-made framework that tail coverage represents.

This makes the claims-made policy the correct choice for scenarios involving coverage