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

To understand why the claims-made policy from January 31, 2009, to January 31, 2011, is the correct answer, it's important to know how claims-made policies work. A claims-made policy provides coverage for claims made during the policy period, as long as the incident occurred after a specified retroactive date.

In this case, since Ryan filed his claim on January 25, 2011, it falls within the active period of this claims-made policy. Moreover, the retroactive date for this policy is set to January 31, 2009, meaning any incidents happening on or after that date are covered, and since the claim was made while the policy was in effect, it would indeed be protected under this policy.

The other options involve occurrence policies or claims-made policies that do not appropriately align with the claim’s filing date or the retroactive date. Occurrence policies cover incidents that happen during the policy period, regardless of when the claims are actually reported. Hence, they cannot apply to a claim made outside of their coverage period, rendering them irrelevant for Ryan's claim.

By consolidating this understanding, it's clear how the claims-made policy offers the necessary coverage for Ryan's claim under the conditions specified.