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Particular loss: The loss takes place at a identified time, in a known place, and from a recognized trigger. The classic instance is the death of an insured person on a life insurance coverage policy. Fireplace , vehicle accidents , and employee accidents could all easily meet this criterion. Other forms of losses could solely be definite in concept. Occupational illness , for example, might involve extended publicity to injurious conditions where no specific time, place, or cause is identifiable. Ideally, the time, place, and reason for a loss needs to be clear enough that a reasonable particular person, with enough data, could objectively verify all three elements.
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