Name one common exclusion found in general liability insurance policies.

One common exclusion found in general liability insurance policies is related to intentional acts. This exclusion is significant because general liability insurance is designed to cover unintentional acts or accidents that result in bodily injury or property damage to others. If an individual or business intentionally causes harm or damage, the insurance policy will not cover those losses, as coverage is meant to protect against unforeseen and accidental events.

Intentional acts are excluded to prevent individuals from being incentivized to harm others and seeking coverage for their actions. This helps maintain the integrity of the insurance system and ensures that policies are only used for their intended purpose—providing financial protection against accidental losses. Understanding this exclusion is essential for policyholders so they are aware of the limitations of their coverage and can make informed choices regarding their liability needs.