What is defined as the original occurrence in an unbroken chain of events that results in a loss?

The definition in question refers specifically to the "proximate cause," which is recognized in insurance and legal contexts as the primary event that sets off a sequence of events leading to a loss. It is the initial incident in an uninterrupted series of occurrences that directly results in the damage or loss that is being assessed for potential insurance claims. This concept is crucial in determining the responsibility for a loss because it establishes a clear connection between the cause and the resulting effect.

In contrast, other terms provided in the options have different implications. A deliberate act refers to an intentional action taken by an individual, which may lead to a loss but does not inherently imply the original occurrence leading to that loss. The causation principle is a broader legal doctrine that encompasses various aspects of cause and effect in legal terms but does not focus specifically on the original event leading to loss. Lastly, a liability event refers to circumstances under which an entity may be held liable for damages but does not define the chain of events in the same way as proximate cause does. Thus, proximate cause accurately captures the essence of the original occurrence that started the sequence culminating in the loss.