Exposure Trigger

Reviewed by Sujaini | Updated on Aug 27, 2020

What is Exposure Trigger?

Exposure Trigger is an occurrence, which causes insurance coverage of a policyholder to kick in. This is one of four liability factors that decide when an insurance policy accident or damage happened, and whether the policy will pay for a related claim.

The exposure trigger is widely used in lawsuits, which assert bodily harm due to exposure to a hazardous substance by the plaintiff. The specific time span when someone has been affected by a drug and who should be held responsible is often difficult to determine. That is where the cause for exposure comes in. The most common use of the exposure cause is in the asbestos case, according to the International Risk Management Institute.

Asbestos Cases

Inhalation of asbestos fibres can be asymptomatic and cause lung disease for a long time and sluggish, painful, and premature death afterwards. Because signs of exposure to asbestos may not occur for decades, it can be difficult to determine who is responsible for exposure to the patient.

The worker, who worked in a position that exposed him or her to asbestos, may be kept liable to the employer or the employer's liability insurance company.

Under the injury mechanism, liability is incurred at the exposure date, not at the moment the injured worker encounters symptoms first. In these situations, the trigger is relevant because it stipulates that responsibility lies with the insurer that the contractor used at the time of exposure. If at the time of exposure, no insurance was in place, the company will have to pay the victim.

The other three forms of causes of reporting are triggers of manifestation, persistent triggers and triggers of injury-in-fact. The appearance trigger applies when the harm is detected by the insured; the cumulative trigger applies when the damage or injury may have more than one cause that happens at various points in time; when the accident or damage occurs the injury-in-fact trigger applies.