to the number of years it was on the risk, relative to the total number of years of triggered coverage.” Id. (quotation omitted). Under this method, Stonington is liable for only 4/27, or 15%, of the cleanup costs. ¶ 7. Specific policy language limiting coverage affects whether liability allocation should be joint and several or related to time on the risk. “Claims-made” policies generally restrict coverage to claims made during the policy period “without regard to the timing of the damage or injury.” Id. ¶ 29 (quotation omitted). “Occurrence-based” policies, on the other hand, provide coverage only for injury or property damage “which occurs during the policy period.” Id. ¶ 28 (quotation omitted); see also Montrose Chem. Corp. v. Admiral Ins. Co., 913 P.2d 878, 892 (Cal. 1995) (<HOLDING>). In cases of contamination from continuing
holding that policy limits are not a defense to coverage and that policy limits define the amount of coverage holding that policy did not provide coverage where negligent repair of lift in elevator occurred during policy period while resulting injury occurred after policy was canceled holding that the standard fire policy and a broader homeowners policy were so intertwined that the prescriptive period in the standard fire policy applied to nonfire perils holding that an objective standard to determine whether the injury was intended or expected would be inconsistent with insurance coverage for damage resulting from ordinary negligence holding that standard occurrencebased policy was intended to provide coverage when damage or injury    occurs during the policy period