Which of the following can be considered an exclusion in an insurance policy?

Exclusions in an insurance policy refer to specific conditions or circumstances that are not covered under the policy terms. The inclusion of acts of God, such as floods and earthquakes, along with intentional harm inflicted by the insured, demonstrates how various exclusions are defined based on risk assessment and policy limitations.

Natural disasters like floods and earthquakes are typically categorized as acts of God and are often excluded from standard insurance policies due to the high risk and potential for substantial loss they present. This makes them a common exclusion in many types of coverage.

Intentional harm inflicted by the insured is also a clear exclusion. Insurers do not cover damages or losses that arise from intentional acts because this would undermine the principle of insurance, which is founded on protecting against unforeseen and accidental events. Allowing coverage for intentional harm would encourage risky behavior and fraudulent claims.

Both acts of God and intentional harm are recognized exclusions within an insurance context, making them critical components in understanding insurance policy limitations.