What is a common exclusion found in many commercial insurance policies?

Many commercial insurance policies commonly exclude coverage for damage caused by intentional acts. This exclusion is in place because insurance is designed to cover unforeseen and accidental events, rather than those that are willfully caused by the policyholder or their employees. When damage or loss is a result of an intentional act, it is generally viewed as a predictable outcome of behavior that should not be insured since it falls outside the purpose of insurance, which is to provide protection against unexpected risks.

Natural disasters, theft, and loss of income can be covered under certain conditions or additional endorsements in a commercial insurance policy, though they might have specific terms or limitations. For example, while theft is often covered, there could be stipulations that require certain security measures to be in place. Loss of income can also be covered but typically depends on the cause of the loss, such as damage from a covered peril. Natural disasters, depending on the type and policy, may require specialized coverage like flood or earthquake insurance, but the risks associated with intentional acts are widely understood as outside the realm of insurance coverage.