Which of the following is a common exclusion found in liability insurance?

Liability insurance is designed to protect individuals and businesses from claims arising from injuries or damages incurred by others due to their actions or negligence. However, certain exclusions are typically included in liability policies to delineate the scope of coverage.

Intentional acts or injuries are a common exclusion in liability insurance because these actions are typically viewed as being within the control of the insured. Insurance policies are fundamentally structured to cover unforeseen accidents or negligence rather than deliberate actions that cause harm. The rationale is that individuals should be accountable for their intentional actions and should not be protected by insurance, which is intended for risk management rather than shielding against willful misconduct.

Negligent acts, property damage, and bodily injury generally fall within the coverage of liability insurance, provided they are unintentional. Thus, these aspects are not exclusions but rather typical situations covered by such policies, reinforcing the primary purpose of liability insurance to safeguard against unintentional harm to others.