Which type of liability policy would cover Ryan's injury claim related to the exercise bike?

The choice indicating the claims-made policy from January 31, 2010, to January 31, 2011, with a retroactive date of January 1, 2008, is the correct answer because it effectively combines coverage for claims arising from incidents that occurred after the retroactive date while still being within the active policy period.

In a claims-made policy, coverage is dependent on the policy being in force both when the incident occurs and when the claim is made. The retroactive date is crucial as it defines the starting point for incidents that the policy will cover. Here, having a retroactive date of January 1, 2008, means that any injury claim related to events occurring on or after that date is covered as long as the claim is made during the active term of the policy, which in this case is between January 31, 2010, and January 31, 2011.

Other options do not provide adequate coverage for Ryan's injury claim. For instance, a claims-mature policy from 2008-2009 implies the policy is no longer active and cannot cover claims made after it expired. A claims-made policy with a retroactive date of January 1, 2008, but without