What covers a claim if bodily injury occurred during the policy period?

The correct answer focuses on the definition of an occurrence form, which is specifically designed to cover claims for bodily injury or property damage that happen during the policy period, regardless of when the claim is filed. This form is beneficial because it protects the insured from liabilities that might arise from incidents occurring anytime within the policy duration, not just when the claim is reported.

In contrast, a liability waiver typically releases one party from liability for certain acts, but it does not provide coverage for claims. A policy endorsement can modify existing coverage but does not inherently cover claims; it depends on what the endorsement stipulates. A special risk policy covers specific risks, which may not universally apply to bodily injury claims. Therefore, the occurrence form is the most comprehensive option for covering bodily injury claims during the specified period.