Intentionally Injury: Which describes the coverage exclusion?

• A. Injury or damage that is expected or intended by the insured is excluded.
• B. Injury or damage caused by unintentional acts is excluded.
• C. Injury or damage from environmental causes is excluded.
• D. Injury or damage to property outside insured's control is excluded.

Answer: (A)

Intentional acts are not covered by most liability policies. Insurance is designed to protect against accidental injuries or property damage, not harm that the insured plans, expects, or intends. If the insured intends or expects the injury or damage, there is no risk being transferred to the insurer, so this exclusion applies. That’s why describing the exclusion as injury or damage that is expected or intended by the insured is the correct one.

Unintentional acts are typically covered because they qualify as accidental events, unless another specific exclusion applies. Environmental or pollution-related exclusions address environmental harm separately and aren’t the general rule for intentional harm. Injury or damage to property outside the insured’s control isn’t the standard focus of this particular exclusion, since many policies consider control and cause of the injury differently.