What is a common exclusion found in most general liability insurance policies?

A common exclusion in most general liability insurance policies is related to intentional acts. This exclusion means that if a policyholder knowingly engages in actions that cause harm or damage, these actions will not be covered by the insurance. The rationale for this exclusion is grounded in the principle that insurance is designed to protect against unintentional incidents rather than activities that are deliberate and harmful.

General liability policies typically cover negligence, where an individual or entity fails to act with reasonable care, resulting in unintended harm to another party. Property damage and medical expenses caused by unintentional acts are generally covered under these policies as they align with the purpose of liability insurance, which is to protect against the consequences of accidents and unforeseen incidents. Therefore, the inclusion of negligence, property damage, and medical expenses reflects the core intent of providing coverage for unintentional harm, while intentional acts remain outside that protective scope.