Which of the following CGL policies may cover Ryan's claim filed on January 25, 2011?

The claims-made policy from January 31, 2009, to January 31, 2011, is the correct choice for covering Ryan's claim filed on January 25, 2011, because of the specific coverage timeline that matches the date of the claim. Claims-made policies provide coverage only for claims that are made during the policy period. Since Ryan filed his claim right before the end date of the policy on January 31, 2011, it is clear that this policy would respond to the claim, provided the incident occurred after the retroactive date of the policy.

In this scenario, the other options either fall outside the appropriate time frame or do not fit the coverage requirements of a claims-made policy. The occurrence policy that began on January 31, 2011, would not cover the claim since the claim was made before the policy's start date. Similarly, the occurrence policy covering the period from February 28, 2008, to February 28, 2010, would not apply because it is outside the time frame for the claim. The earlier claims-made policy from January 31, 2008, to January 31, 2010, also fails to cover the claim since it has expired before