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Particular loss: The loss takes place at a known time, in a known place, and from a identified trigger. The classic example is the loss of life of an insured particular person on a life insurance coverage policy. Hearth , automobile accidents , and employee accidents may all simply meet this criterion. Other forms of losses could only be particular in concept. Occupational illness , for example, may involve prolonged publicity to injurious situations where no specific time, place, or trigger is identifiable. Ideally, the time, place, and reason for a loss needs to be clear sufficient that an inexpensive person, with enough data, could objectively confirm all three parts.