What does 'expected or intended injury' exclusion mean?

What does 'expected or intended injury' exclusion mean?

• A. It includes injuries the insured expects
• B. It excludes injuries that the insured expects or intends to cause
• C. It excludes only property damage
• D. It excludes injuries caused by medical staff

Answer: (B)

In this provision, the focus is on the insured’s state of mind. If the insured expects or intends to cause injury, the liability policy will not cover those injuries. The idea is to exclude coverage for deliberate harm or acts taken with the purpose of injuring someone. The policy is meant to cover accidental, unforeseen harm, not intentional wrongdoing. There are narrow exceptions (for example, reasonable force used to protect people or property) where some injuries might be covered, but the core rule is that injuries planned or knowingly likely to occur are excluded.

In this provision, the focus is on the insured’s state of mind. If the insured expects or intends to cause injury, the liability policy will not cover those injuries. The idea is to exclude coverage for deliberate harm or acts taken with the purpose of injuring someone. The policy is meant to cover accidental, unforeseen harm, not intentional wrongdoing. There are narrow exceptions (for example, reasonable force used to protect people or property) where some injuries might be covered, but the core rule is that injuries planned or knowingly likely to occur are excluded.