When shopping for liability insurance , one of the most important decisions you’ll face is choosing between an occurrence policy and a claims-made policy. If you want long-term protection—even after your policy ends—an occurrence policy might be the right fit. At Riseson Insurance in Tempe , we’re here to help you understand your options and protect what matters most.

An occurrence policy provides liability coverage for incidents that happen during the policy period, regardless of when the claim is filed —even if it’s years later. That means if something goes wrong while your policy is active, you're still covered, even if the legal trouble doesn’t pop up until much later.

Example: Let’s say you had an occurrence policy from 2021 to 2022. If someone files a lawsuit in 2025 over an incident that happened in 2021, your occurrence policy would still cover the claim—even though the policy expired three years ago.

An occurrence policy is especially valuable for:

Medical professionals: Malpractice claims can surface years later. Contractors and builders: Structural issues may arise long after work is completed. Small business owners : Unexpected lawsuits can occur well after services are rendered. Consultants: Advice or service claims may take time to develop into legal matters.

While occurrence policies tend to cost more than claims-made options, they also offer built-in peace of mind. You don’t have to worry about adding tail coverage or losing protection when you change carriers or retire. The event happened while you were covered—and that’s enough.

At Riseson Insurance , we help individuals and businesses throughout Tempe, Phoenix , Scottsdale , Tucson , Gilbert , and Chandler navigate coverage decisions like this every day. Whether you’re renewing an old policy or starting fresh, we’ll help you decide if an occurrence policy is right for your needs.

Still have questions about occurrence vs. claims-made policies?

Reach out to Riseson Insurance in Tempe to get a quote and personalized advice. Call us at 602-460-5470 — your peace of mind starts here.

What Is an Occurrence Policy?

Who Benefits Most from Occurrence Policies?

Why Occurrence Policies Are Worth the Investment

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• Medical professionals: Malpractice claims can surface years later.
• Contractors and builders: Structural issues may arise long after work is completed.
• Small business owners : Unexpected lawsuits can occur well after services are rendered.
• Consultants: Advice or service claims may take time to develop into legal matters.