What type of CGL policy would cover Ryan's claim dated January 25, 2011, following an accident he had in 2008?

The claims-made policy from January 31, 2010, to January 31, 2011, with a retroactive date of January 1, 2008, is the correct choice for covering Ryan's claim. This is because a claims-made policy only covers claims that are reported during the policy period, but with a retroactive date, coverage can extend back to incidents that occurred before the policy started, as long as the claim is reported after the retroactive date and during the active policy period.

In this case, Ryan's accident occurred in 2008. If the claims-made policy has a retroactive date of January 1, 2008, it means any claims resulting from incidents on or after that date can be covered, provided the claim is made during the specified policy period of January 31, 2010, to January 31, 2011. This allows the insurer to assess and provide coverage for claims that may arise from incidents that occurred in the past, ensuring that Ryan’s claim, which was reported in 2011, is eligible for coverage as it falls under the criteria of the policy.

The other options either lack a necessary retroactive date to extend coverage back to the time of the accident or