What is an example of an insurance policy exclusion?

An insurance policy exclusion refers to specific conditions, risks, or situations that are not covered by the insurance policy. These exclusions help to define the boundaries of the coverage provided by the policy.

Intentional acts of harm are clearly excluded from most insurance policies because they involve deliberate actions that violate the fundamental principles of insurance coverage. Insurance is designed to provide financial protection against unforeseen events or accidents, not to cover damage or injuries resulting from intentional wrongful actions. For example, if an individual purposely injures another person, any resulting claims for coverage would not be honored by the insurance company due to this exclusion.

The other choices represent types of coverage or situations commonly included in insurance policies. Coverage for accidental damage is typically included, as these are unforeseen events that the policy aims to protect against. Natural disasters, while sometimes excluded or limited under certain policies, can still be covered under specific circumstances. Similarly, medical expenses resulting from routine check-ups are not generally covered because these are expected, planned events rather than unforeseen occurrences. This context reinforces why intentional acts of harm stand out as an unequivocal exclusion in insurance policies.