Certified Insurance Service Representative (CISR) Commercial Casualty II Practice Exam 2026 - Free CISR Commercial Casualty II Practice Questions and Study Guide

Occurrence in umbrella policy terms means an accident, including continuous or repeated exposure to conditions, that results in personal injury, property damage, or advertising injury and is not expected or intended by the insured. This definition matters because umbrella coverage kicks in after the underlying limits are exhausted, and the way an occurrence is counted can affect how many claims or damages are covered. Continuous exposures can be treated as a single occurrence if the resulting injury or damage was unintentional, which is different from an intentional act (excluded) or a contractual dispute (not covered).