Which type of damage is usually not covered under a commercial general liability policy?

A commercial general liability policy is designed to protect businesses from various claims, including bodily injury, property damage, and personal injury arising from business operations. However, it has specific exclusions that are important to understand.

Claims resulting from intentional actions are typically not covered under this type of policy because these actions do not fall under the accidental or negligent categories that the policy aims to protect against. Since intentional actions are deliberate acts, insurers do not provide coverage for damages or injuries that arise from such conduct. This aligns with the fundamental principle of insurance, which is to protect against unforeseen and unintended events, rather than liabilities resulting from willful actions.

Understanding this exclusion is essential for businesses to gauge the risk management strategies they need to implement and to also explore other forms of coverage that may protect against intentional acts, such as employment practices liability insurance or directors and officers liability insurance, depending on the nature of the business and its activities.