Occurrence form coverage is the industry choice for dance insurance. Occurrence form says that whenever you file a claim, it’s covered, even if your policy has already expired just so long as the claim event falls on a date when the policy was still active. nnThis is very useful for fitness professionals because injuries can sometimes take time to fully manifest. If during that time your policy lapses and sometime thereafter the client finally files a claim, with occurrence form coverage you would still be covered. This is contrary to claims-made which says you have to file your claim while the policy is active in order for it to be covered.