Which type of insurance typically utilizes the occurrence form?

The occurrence form of insurance is primarily associated with general liability insurance. This type of coverage is designed to provide protection for claims arising from incidents that occur during the policy period, regardless of when the claim is actually made. This characteristic is crucial for businesses, as it means they are covered for incidents that happened while the policy was in effect, even if the claim is filed years later.

In general liability insurance, the occurrence form protects the insured against claims for bodily injury or property damage that occurs during the policy period. This is especially significant because it ensures ongoing protection for businesses against claims that may arise from past activities, as long as they were covered during the time the policy was active.

On the other hand, other types of insurance such as property insurance, professional liability insurance, and automobile insurance may use different forms, such as claims-made forms or have specific conditions under which coverage is applied. Hence, general liability's reliance on the occurrence form distinguishes it as the correct choice in this context.