Losses caused by continuous or repeated exposure to conditions resulting in injury or damage to property that is neither intended nor expected is known as?

The concept of "occurrence" within the context of insurance and liability law refers specifically to events that lead to unexpected or unintended injuries or damages. In this scenario, losses that arise from continuous or repeated exposure to certain conditions fall into this category since they do not originate from a single, identifiable incident but rather from an ongoing set of circumstances that can ultimately result in property damage or injury.

The term "occurrence" is critical because it establishes the basis for coverage under many liability insurance policies. When a loss is categorized as an occurrence, it means that insurance may apply to the damages resulting from that loss, provided that the policy terms have not been violated and the damages are not excluded from coverage.

In contrast, an "incident" typically implies a singular event or situation that may cause harm, which does not encapsulate the ongoing nature of the losses described. A "claim" refers to the formal request for benefits or coverage under an insurance policy, rather than the event that causes the loss itself. "Causation" relates to the relationship between an action and its effect, focusing more on the cause-and-effect link rather than the nature of the loss. Therefore, the notion of "occurrence" precisely captures the ongoing and unintended nature of the losses