the assignment from Flavors to Fragrances was invalid. It is not disputed that defendants’ policies were “occurrence” policies. In these kinds of policies, the peril insured is the occurrence itself. Zuckerman v. Nat’l Union Fire Ins. Co., 100 N.J. 304, 310, 495 A.2d 395 (1985) (citing S. Kroll, “The Professional Liability Policy ‘Claims Made”’ 13 Forum 842, 843 (1978)). “Once the occurrence takes place, coverage attaches even though the claim may not be made for some time thereafter.” Id. at 310-11, 495 A.2d 395 (quoting S. Kroll, supra, 13 Forum at 843). It is also not disputed that the subject policies require the insurer’s consent in order for the insured to assign the policy to a third person. See also Kase v. Hartford Fire Ins. Co., 58 N.J.L. 34, 36, 32 A. 1057 (Sup.Ct.1895) (<HOLDING>). However, once a loss occurs, an insured’s
recognizing an insurers right to rescind an insurance contract where the insured has made fraudulent or material misrepresentation in insurance application holding that the language of  9133 applies only to insurers and not to the insurers employees holding that insureds widow as beneficiary of life insurance policy had standing as an injured person under the insurance code holding that an insurance policy cannot be transferred to a third person without the insurers consent holding liability could not be transferred to the fund where the certificate of insurance was not signed