What triggers or makes a Claims Made policy form respond to an occurrence?

In a Claims Made policy, the key factor that triggers coverage is the event that occurs when a claim is reported to the insurer during the active policy period. The emphasis is on when the claim is made rather than when the event occurred.

Therefore, the report of the loss is critical. For coverage to apply, the claim must be made and reported to the insurer while the policy is in effect. This is distinct from Occurrence policies, which cover events based on when they occurred, regardless of when the claim is actually reported.

The other options touch on aspects related to the policy but do not accurately define the mechanism that triggers a Claims Made policy. The date of an occurrence and the bodily injury must fall within the policy period, but simply having an event or injury is not sufficient without the reporting of the claim. The awareness of coverage by the claimant is also irrelevant to when coverage is triggered in the context of a Claims Made policy.