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Particular loss: The loss takes place at a recognized time, in a identified place, and from a known trigger. The classic instance is the dying of an insured particular person on a life insurance coverage policy. Fire , vehicle accidents , and employee injuries might all easily meet this criterion. Different forms of losses could solely be particular in idea. Occupational disease , as an example, may involve extended publicity to injurious situations the place no specific time, place, or trigger is identifiable. Ideally, the time, place, and explanation for a loss should be clear sufficient that an inexpensive person, with sufficient info, could objectively verify all three parts.
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