Hoisington’s claim was first made, within the policy period depends upon the definition of “claim.” The policy defines claim as follows: Claim, whenever used in this policy, means a demand received by the Insured for money or services including the service of suit or institution of arbitration proceedings against the Insured. Pl.Mot. for Summ.J., Ex. B (quoting Policy at 3). Additionally,- case law has defined a “claim,” in reference to coverage under a claims-made policy, as “a demand for something as a right.” Bensalem Township v. Western World Ins. Co., 609 F.Supp. 1343, 1348 (E.D.Pa.1985) (quoting Phoenix Ins. Co. v. Sukut Constr. Co., 136 Cal.App.3d 673, 677, 186 Cal.Rptr. 513 (1982)); see also Hoyt v. St. Paul Fire & Marine Ins. Co., 607 F.2d 864, 866 (9th Cir.1979) (<HOLDING>); United Capital Ins. Co. v. New York Marine
holding that when the insured brings an action for a declaration of coverage and prevails absent a bad faith denial of coverage by the insurer attorneys fees incurred by the insured in the prosecution of that action are not incurred at the request of the insurer holding that  a request for information and explanation is not sufficient to constitute a claim absent a demand for action by the insured holding that the injunction did not constitute a claim holding that parties subject to a cercla investigative request may not decide for the epa when they have provided sufficient information holding that denial of a request for reimbursement for travel expenses did not constitute an adverse employment action