A PMHNP in independent practice is selecting a professional liability insurance policy. She is comparing a claims-made policy at a lower annual premium with an occurrence policy at a higher annual premium. She plans to relocate to another state in three years and wants to ensure she is protected against claims filed after she leaves her current practice. An insurance broker explains the key differences between the two policy types. Which of the following most accurately describes the critical distinction between claims-made and occurrence professional liability policies?