Number of Occurrences in Insurance Liability Claims: Maximizing Coverage or Limiting Liability Exposure

A live 90-minute CLE webinar with interactive Q&A

Thursday, May 18, 2017
1:00pm-2:30pm EDT, 10:00am-11:30am PDT

This CLE webinar will provide insurance counsel with an analysis of key factors that determine an “occurrence” in liability policies. The panel will outline potential arguments on the number of occurrences from both policyholder and insurer perspectives and discuss key case law developments from jurisdictions throughout the United States across various claims types.


Identifying the number of occurrences is one of the most confusing and complex coverage issues. It is likely to be a central and determining factor in the amount of insurance proceeds available to the policyholder.

The occurrence issue has gained prominence in recent years as coverage litigation has become increasingly focused on indemnity issues, along with an erosion of underlying layers of coverage. Moreover, the trend in CGL policies for higher per occurrence self-insured retentions brings this issue to the forefront.

Our panelists will review and analyze recent litigation to provide a practical context for understanding the complexities of occurrence-based claims.

Listen as our authoritative panel of insurance practitioners demystifies the complexities surrounding the issue of occurrences in liability claims, reviews policyholder and insurer perspectives on resolving disputes, and outlines key case law developments.


  1. Policy language interpretation
  2. Measuring occurrences
  3. External factors affecting the occurrence determination
  4. Case law application in key claims types


The panel will review these and other key issues:

  • Do independent causes always equal separate occurrences?
  • What is the dual policy role of occurrence in CGL or excess policies?
  • What is the significance of non-cumulation clauses?
  • What tests are used to measure occurrences?


John T. Harding, Jr., Partner
Lewis Brisbois Bisgaard & Smith, Boston

Mr. Harding's practice is concentrated in the areas of complex coverage litigation and advice, reinsurance and "bad faith" litigation. He has more than 20 years of experience in representing insurers on a national basis in connection with coverage disputes arising out of underlying environmental, asbestos, products, pharmaceutical, medical device, employment discrimination and other liabilities. Mr. Harding has handled numerous appeals in state and federal courts throughout the country involving the key legal issues that have been at the forefront of complex coverage litigation.

Jerold Oshinsky, Partner
Kasowitz Benson Torres & Friedman, Los Angeles

Mr. Oshinsky has more than 30 years of experience litigating insurance recovery cases in federal and state courts throughout the U.S. on behalf of Fortune 500 companies and others in the chemical, pharmaceutical, financial, food, education and health industries. He litigates some of the most significant, complex insurance coverage issues in the country, applying theories which he developed that have guided insurance recovery law since its inception. Mr. Oshinsky also advises clients about how to maximize their insurance assets, and he is frequently selected as a party-appointed arbitrator in complex insurance coverage disputes.

Live Webinar

Live Webinar $297.00

Add a colleague on the same connection in the same room for only $97.00 in the shopping cart or by calling customer service.

This webinar is eligible for at least 1.5 general CLE credits.

CLE credits are not available for PR.

*In KS, OH, PA, for more than 1 attendee on the connection you must contact Strafford CLE via email or call 1-800-926-7926 ext. 35 prior to the program for special instructions.


CLE On-Demand - Streaming Video

Includes recorded streaming video of full program plus PDF handouts.

On-demand is the only recorded format recognized for CLE credits in DE, IN, KS, LA, MS, NC, OH, OK, SC, TN, VA, WI.

AK, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN*, KS, KY, LA, ME, MN, MO, MT, NC, ND, NH**, NJ, NM, NV, NY, OH*, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY (Note: Some states restrict CLE eligibility based on the age of a program. Refer to our state CLE Map for additional information.)

*Only available for attorneys admitted for more than two years. For OH CLE credits, only programs recorded within the current calendar year are eligible - contact the CLE department for verification.

**NH attendees must self-determine if a program is eligible for credit and self-report their attendance.

CLE On-Demand Video $297.00
Available 48 hours after the live event

How does this work?

Recorded Event

Includes full event recording plus handouts (available after live webinar).

Strafford is an approved provider and self-study CLE credit is available in most states.

AK, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, KY, ME, MN, MO, MT, ND, NJ, NM, NY, OR, PA, TN, TX, UT, VT, WA, WV, WY (Note: Some states restrict CLE eligibility based on the age of a program. Refer to our state CLE Map for additional information.)

Strafford will process CLE credit for one person on each recording.

Additional copies of a recording can be purchased at a discount. Please call Strafford Customer Service toll-free at 1-800-926-7926 ext 10 or email to place your order.

Recorded Webinar Download $297.00
Available 48 hours after the live event

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Recorded Audio Download (MP3) $297.00
Available 24 hours after the live event

How does this work?

DVD (Slide Presentation with Audio) $297.00 plus $9.45 S&H
Available ten business days after the live event

How does this work?

Registration Plus Recorded Event

Best value!

Live Webinar & Webinar Download $394.00

Recorded Webinar Download Only $97.00 with Registration/Webinar Combo

Live Webinar & Audio Download $394.00

Recorded Audio Download (MP3) Only $97.00 with Registration/MP3 Combo

Live Webinar & DVD $394.00 plus $9.45 S&H

DVD (Slide Presentation with Audio) Only $97.00 with Registration/DVD Combo


Strafford webinars offer several options for participation: online viewing of speaker-controlled PowerPoint presentations with audio via computer speakers or via phone; or audio only via telephone (download speaker handouts prior to the program).  Please note that our webinars do not feature videos of the presenters.

or call 1-800-926-7926

Can't Attend the Live Program?

CLE Credits By State

See CLE State Map >

or call 1-800-926-7926

Customer Reviews

The PowerPoint slides were an excellent resource for further research.

Michael Scanlon

Carlsmith Ball

I thought it was very informative and helpful to have different perspectives on the issues.

Matthew Siegel

Cozen O'Connor

This seminar covered a lot of territory in a short period of time. It also assumed that the attendees had a significant level of experience coming into the program, which I did.

Louis C. Long


The presentation and handouts were very informative. And it allowed me to attend a CLE without leaving the office.

Bill Pemerton

Horton Maddox & Anderson

First rate program. I have been practicing for over 25 years and this was the most instructive seminar I've attended in several years.

Roman Petyk

Univ. of Pennsylvania (not Penn State)

or call 1-800-926-7926

Insurance Law Advisory Board

John Broghammer


Greve Clifford Wengel & Paras

Tred Eyerly

Of Counsel

Damon Key Leong Kupchak Hastert

John D. Green


Farella Braun + Martel

Alan P. Jacobus


Law Offices of Alan Palmer Jacobus

William E. Kelley, Jr.


Drewry Simmons Vornehm

William O. Krekstein


Timoney Knox

Jay M. Levin


Reed Smith

Peter J. Mintzer


Selman Breitman

Barry S. Neuman


Whiteford Taylor Preston

Andrew G. Wanger


Clyde & Co.

Britton D. Weimer


Jones Satre & Weimer

Sandra I. Weishart


Hinshaw & Culbertson

or call 1-800-926-7926

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Strafford webinars are backed by our 100% Unconditional Money-Back Guarantee: if you are not satisfied with any of our products, simply let us know and get a full refund. For more information regarding complaints and refunds, please contact us at 1-800-926-7926 ext 10. Complaints regarding this program can be submitted via the course evaluation found in the “Thank you” e-mail at the end of the course.