The incident that gives rise to the claim against the insured has to have taken place during the period of the policy.
So if something happened today, the Liability policy you have in place today will be the policy you will go to if a claim arises. Even if the claim doesn't arise until 2020.
PLEASE NOTE THIS DOES NOT REPRESENT 'FINANCIAL ADVICE' AS EACH PERSON'S INDIVIDUAL REQUIREMENTS WILL BE UNIQUE TO THEIR SPECIFIC NEEDS.
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