coverage trigger (2024)

FAQs

What is an example of a coverage trigger? ›

Injury-in-fact theory says that the coverage trigger is the injury itself, so when the insured breaks his or her leg the liability insurance applies.

Under an occurrence policy, the occurrence of injury or damage is the trigger; liability will be covered under that policy if the injury or damage occurred during the policy period. Under a claims-made policy, the making of a claim triggers coverage.

In insurance, a coverage trigger refers to the specific event or circ*mstance that must occur for an insurance policy to provide coverage and for the insurance company to be obligated to pay a claim.

An exposure trigger, for instance, is the date when a policyholder first became exposed to harm, whereas an injury-in-fact trigger is the date on which the injury or illness became known. Continuous triggers, on the other hand, are ranges of time that apply when the damages build up gradually.

For example, say a customer buys a product through your app. A triggered message could be sent the following day via push notifications to alert the customer of other products that relate to their original purchase. The push notification, when clicked, would take them right to the product page within your app.

Triggers are anything that might cause a person to recall a traumatic experience they've had. For example, graphic images of violence might be a trigger for some people. Less obvious things, including songs, odors, or even colors, can also be triggers, depending on someone's experience.

A better reading of the CGL insuring agreement reveals that coverage is triggered if the bodily injury or property damage is caused by an "occurrence" that takes place in the "policy territory" and only if the bodily injury or property damage occurs during the policy period.

In insurance parlance, a trigger is an event that activates coverage. Courts typically look to the four established trigger theories when making a determination. In addition to the injury-in-fact trigger, there is also an exposure trigger, manifestation trigger, and continuous trigger.

Most commercial general liability (CGL) policies are written on an "occurrence" basis. An "occurrence"-based CGL policy is usually triggered when bodily injury (BI) or property damage (PD) takes place—even if the claim or suit for damages because of that BI or PD is not made for months or years later.

You must also have at least 1% code coverage on every Apex Trigger. That means you have to have test code for each Trigger no matter what, whereas with Non-Trigger code, you may not have any test code for an Apex class and it can still deploy to production because the overall Apex code coverage is at least 75%.

What is considered a trigger? ›

A trigger is a stimulus that elicits a reaction. In the context of mental illness, "trigger" is often used to mean something that brings on or worsens symptoms. This often happens to people with a history of trauma or who are recovering from mental illness, self-harm, addiction, and/or eating disorders.

The occurrence policy's coverage trigger is tied to the date of the event or accident giving rise to the claim. Under an occurrence contract, the policy in force on the date of the event causing the loss must respond with both defense and indemnity.

The Claims-Made Trigger is the effective date of the insurance policy and is typically the date that the policy was issued, renewed or amended. The Claims-Made Trigger is usually expressed as the policy's “retroactive date”.

Exposure triggers are coverage triggers for lawsuits that claim bodily harm due to plaintiff's exposure to hazardous substances. Exposure triggers are generally used in asbestos lawsuits. They can also be used in homeowner liability cases against home builders and contractors who use defective or harmful materials.

Trigger examples

Some common examples of triggers include: certain books, movies, or music. certain smells, such as a food or perfume. places, such as where the event occurred or spaces that remind someone of that location.

The trigger

For instance, consider a use case process about an interaction between a teacher and grading software, with a goal to record a student's grade. The trigger of this use case might be that the teacher identifies grades to input into the system.

To illustrate this concept, consider the following: in trade agreements, countries may use a tit-for-tat strategy to enforce tariffs or a grim trigger strategy to withdraw from an agreement and impose sanctions; in diplomacy, countries may use a tit-for-tat strategy to respond to an attack or a grim trigger strategy to ...