Legal Definitions - expected/intended exclusion

Definition: A provision in some insurance policies that excludes coverage for property damage or bodily injury that is expected or intended by the insured, except any harm arising from the use of reasonable force to protect a person or property.

Example: John intentionally sets fire to his own house to collect insurance money. His insurance policy has an expected/intended exclusion, which means that his insurance company will not cover the damages caused by the fire because John intended to cause them.

Explanation: The example illustrates how an expected/intended exclusion works in an insurance policy. John's actions were intentional, and he expected to receive insurance money from the fire. Therefore, his insurance company will not cover the damages caused by the fire because they were expected and intended by John.