Which form of insurance policy is typically triggered by a report of a covered claim?

A claims-made policy is designed to respond to claims that are reported during the policy’s coverage period, regardless of when the incident that led to the claim occurred, as long as the incident happened after the policy's retroactive date. This means that the policyholder must report the claim while the policy is still in force for coverage to be triggered.

In contrast, an occurrence policy provides coverage for any incidents that happen during the policy period, regardless of when the claim is reported, which is why it does not align with the question's focus on reporting a claim. Comprehensive and liability policies also do not specifically hinge on the timing of claim reporting the way claims-made policies do. Therefore, the claims-made policy stands out as the correct response for a situation where coverage is dependent on the report of a covered claim.