A claims coverage trigger is a type of coverage trigger that obliges an insurer to defend and/or pay a claim on behalf of the insured if the claim is first made against the insured during the period of the policy. (The term “made” means notifying the insured that a demand for money or services is being requested.) For example, suppose the policy containing the claims coverage trigger is written with an expiration date of January 1, 2015-2016. The coverage applies to claims made against the insured during this period of time. Claims insurance differs from policies written with an event trigger, whereby coverage is extended to incidents that occur during the life of the policy, regardless of when the claim arising from that incident is brought against the insured. Thus, under an insurance policy with an expiration date of January 1, 2015-2016, coverage will apply to claims arising from incidents that occurred between January 1, 2015-2016, regardless of when the claims are made against the insured person or when reported. to the insurer. While insurance policies are most commonly used to write professional and directors and officers liability policy forms, they are sometimes found in commercial liability policies (CGLs).