Liability imposed upon a person even though not a party to a particular occurrenceAn event that results in an insured loss. In some lines of insurance, such as liability, an occurrence is not necessarily an accident (something sudde... More, e.g., the owner of a motor vehicle is vicariously responsible for injuries even though he is not driving the car at the time of the occurrenceAn event that results in an insured loss. In some lines of insurance, such as liability, an occurrence is not necessarily an accident (something sudde... More.