Which term describes losses caused by continuous or repeated exposure resulting in injury or damage that is neither intended nor expected?

The term that describes losses caused by continuous or repeated exposure resulting in injury or damage that is neither intended nor expected is "occurrence." In the context of insurance, an occurrence is defined as an event that leads to injury or damage, and the key aspect is that it encompasses situations where the harm results from ongoing exposure rather than a single event. This is critical in property and casualty insurance, as policies typically cover occurrences that happen over time, including those that result from negligence or unexpected conditions.

In contrast, while an incident might refer to a specific event, it does not capture the continuous nature of the exposure. A claim refers to a formal request for payment from an insurance company, and liability is the legal responsibility for causing damage or injury. Therefore, occurrence is the most fitting term for describing such losses in this context.