typically defined as “an accident, event or happening, including injurious exposure to conditions, which results, during the policy period, in bodily injury” that is “neither expected nor intended” by the insured. To establish or trigger coverage, “an insured must demonstrate that damage ‘occurred’ while the policy was in effect.” N. States Power Co. v. Fid. and Cas. Co., 523 N.W.2d 657, 659-60 n. 3 (Minn.1994) (quotation omitted). An occurrence takes place not when the policyholder engages in the wrongful act, “but the time the complaining party was actually damaged.” Singsaas v. Diederick, 307 Minn. 153, 156, 238 N.W.2d 878, 880-81 (1976). Consequently, if the damage occurs outside of the policy period, the policy does not provide coverage. See id. at 155, 238 N.W.2d at 880-81 (<HOLDING>). As a preliminary matter, it should be noted
holding that standard occurrencebased policy was intended to provide coverage when damage or injury    occurs during the policy period 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 an automobile dealers liability insurer was not liable for any damage allegedly caused by the negligence of the dealer and sustained in an accident involving an automobile purchased from the dealer or to defend the dealer in the negligence action where the injury occurred outside of the policy period and occurrence was defined in the policy as an accident including injurious exposure to conditions which results during the policy period in bodily injury or property damages   holding that absent follow form language provision that excess policy would continue as underlying policy did not impose coverage as provided in underlying policy holding that policy limits are not a defense to coverage and that policy limits define the amount of coverage