A ____________ places the occurrence of the loss in one policy period even if the occurrence of the damage spanned a larger period of time.

Question

Options

• Aevent occurrence
• Bdeemer clause
• Cmanifestation
• Ddouble trigger

• A
  8% (1)
• B
  77% (10)
• C
  8% (1)
• D
  8% (1)

Explanation

A deemer clause is a policy provision that artificially "deems" - or officially declares - a loss to have occurred at a single point in time for coverage purposes, even when the actual damage unfolded across multiple policy periods (common with long-tail losses like environmental contamination or occupational disease).

Why the distractors are wrong:

• A. Event occurrence is not a recognized clause type; while "occurrence" is a policy trigger concept, it doesn't specifically consolidate a multi-period loss into one period.
• C. Manifestation is a trigger theory - it activates coverage when damage first becomes apparent, but it doesn't "deem" the loss into any single period; it simply identifies when it becomes visible.
• D. Double trigger requires two separate conditions to be met before coverage activates (e.g., exposure AND manifestation), which is nearly the opposite of collapsing a loss into one period.

Memory tip: Think of "deemer" as a judge banging a gavel and declaring, "I deem this loss happened in 2023!" - it makes a legal declaration about timing to resolve ambiguity between overlapping policy periods. If you can remember that deem = declare, the clause name sells itself.

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