What term would describe the continuous and repeated exposure to conditions that are neither expected nor intended by the insured?

The term that aptly describes continuous and repeated exposure to conditions that are neither expected nor intended by the insured is "occurrence." In the realm of property insurance, an occurrence refers to an event that results in damage or injury that happens unexpectedly or unintentionally. This concept is pivotal in determining the scope of coverage, as it helps to outline events that activate the insurance policy.

Accidents, while related, generally refer to singular, unexpected events rather than the ongoing exposure captured by the term "occurrence." Liability focuses on the obligations that result when one party is found responsible for harm caused to another, which does not directly address the context of repeated exposure. Estoppel is a legal principle that prevents a party from arguing something contrary to a claim made or position taken earlier, but it does not pertain to the concept of repeated or unintended exposure in insurance. Thus, "occurrence" is the most precise term to signify the essence of unforeseen and continuous exposure in the context of insurance.