The difference lies in the timing of the covered incident and the timing of the claim. Occurrence Form policies provide coverage if the policy was active when the incident occurred, while Claims-Made policies provide coverage if your policy is active at the time a claim is made. This means that with Occurrence Form coverage, you are still protected from accidents that occurred during your policy period, even if the claim is made years later. With a Claims-Made policy, however, your ability to file claims expires when your coverage expires.nnAll three major insurance providers—AMTA, ABMP, and Massage Magazine Insurance Plus—offer Occurrence Form coverage as a part of their massage therapy liability insurance. Each of these providers offers professional liability insurance and general liability coverage of up to $2 million per occurrence with individual annual aggregates.