General Liability Insurance Policy Exclusions

As a lawyer, I can inform you that typical exclusions in a general liability insurance policy can vary depending on the jurisdiction and the specific policy language. However, there are some common exclusions in most general liability policies that are worth noting.

Intentional acts:

A general liability policy typically excludes coverage for intentional acts, which means that if the insured person intentionally causes harm or damage to another person or property, the policy will not cover any resulting claims or lawsuits.

Professional services:

Many general liability policies exclude coverage for “professional services” or “professional advice”. This means that if someone is sued for errors or omissions in their professional work (such as a lawyer, accountant, or architect), their general liability insurance might not cover those claims.

Workers’ compensation:

General liability policies usually exclude coverage for injuries to employees that are covered under workers’ compensation laws. This means that if an employee is injured on the job, the employer’s general liability policy will not provide coverage.

Pollution:

Most general liability policies exclude coverage for pollution damage or contamination. This exclusion includes both sudden and accidental pollution incidents and gradual pollution that occurs over time.

Property damage and bodily injury caused by vehicles:

General liability policies also typically exclude coverage for property damage and bodily injury caused by vehicles. This exclusion is usually because auto accidents are covered under auto insurance policies.

There may be other exclusions in a general liability policy, depending on the specific policy language and the jurisdiction. If you have questions about your policy coverage or exclusions, it is always best to consult with a licensed insurance agent or attorney.