An abuse and molestation exclusion bars coverage for claims arising from sexual abuse or molestation, often including negligent supervision theories.

An assault and battery exclusion bars coverage for claims arising from assault or battery, including negligent security claims premised on such conduct.

The auto exclusion removes coverage under a general liability policy for injury arising from the ownership, use, or operation of an automobile.

The continuous trigger theory activates every policy in force from first exposure through manifestation of a progressive injury.

A coverage trigger is the event that activates a policy, determining which policy period responds to a loss that develops over time.

The employer's liability exclusion removes coverage under a general liability policy for injuries to the insured's own employees.

The expected or intended injury exclusion bars coverage for harm the insured expected or intended, preserving the fortuity principle underlying insurance.

The exposure trigger activates policies in force during the period of exposure to the harmful condition, regardless of when disease appears.

The late notice defense allows an insurer to deny coverage when the insured failed to report a claim as the policy requires, though most states require a...

The manifestation trigger activates only the policy in force when injury or damage first became apparent or was discovered.

Misrepresentation in application is a false statement or omission in the insurance application that may support rescission or denial.

The number of occurrences question determines how many per-occurrence limits and retentions apply to a loss involving multiple injuries or repeated events.

The pollution exclusion bars coverage for bodily injury or property damage arising from the discharge, dispersal, or release of pollutants, irritants, or...

The prejudice requirement obligates an insurer to show it was actually harmed by an insured's breach of a condition before coverage is forfeited.

A professional services exclusion removes coverage under a general liability policy for claims arising from the rendering of professional services.

Rescission voids a policy from inception based on material misrepresentation in the application, treating it as though it never existed.