In terms of liability coverage, what is not typically covered under standard exclusions?

Liability coverage generally protects individuals from claims resulting from injuries and damages they may have caused to other people or their property due to their negligence. However, certain exclusions are commonly included in liability policies to limit coverage.

Property damage caused by vehicles falls into a specific liability coverage category known as "auto liability," which is separate from general liability insurance. While general liability does exclude certain types of damages, property damage by vehicles is typically addressed in automobile insurance policies rather than standard liability coverage. Thus, it does not fall under the common exclusions seen in general liability policies.

Intentional acts are often excluded because liability coverage is designed to cover unintentional negligence, not actions taken with intent to harm. Similarly, professional errors or malpractice are excluded under general liability policies but are usually covered under professional liability insurance tailored for specific professions. Damage from natural disasters is excluded in many liability policies due to the nature of such events being covered through different types of insurance products, like property insurance.

Understanding these distinctions clarifies why property damage caused by vehicles does not fit within the standard exclusions typical of a general liability policy.