Expected Or Intended Injury. Bodily injury" or "property damage" which is expected or intended by an "insured" even if the resulting "bodily injury" or "property dam- age":
a. Is of a different kind, quality or degree than initially expected or intended; or
b. Is sustained by a different person, entity, real or personal property, than initially ex- pected or intended.
Expected Or Intended Injury. Bodily injury" or "property damage" which is expected or intended by an "insured", even if the resulting "bodily injury" or "property damage":
a. Is of a different kind, quality or degree than initially expected or intended; or
b. Is sustained by a different person, entity or property than initially expected or intended.
Expected Or Intended Injury. Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property.
Expected Or Intended Injury. Bodily injury" or "property damage" which is expected or intended by an "insured" even if the resulting "bodily injury" or "property dam- age":
a. Is of a different kind, quality or degree than initially expected or intended; or
b. Is sustained by a different person, entity, real or personal property, than initially ex- pected or intended. However, this Exclusion E.1. does not apply to "bodily injury" resulting from the use of reason- able force by an "insured" to protect persons or property;
Expected Or Intended Injury. “Bodily injury” or “property damage” which is expected or intended by an “insured” or which is the result of intentional acts or omissions, or criminal activity, even if the resulting “bodily injury” or “property damage”:
a. Is of a different kind, quality or degree than initially expected or intended; or
b. Is sustained by a different person, entity or property than initially expected or intended; or
c. Is committed by an “insured” who lacks the mental capacity to govern their own conduct. This exclusion applies regardless of whether an “insured” is charged with or convicted of a crime. However, this Exclusion E.1. does not apply to “bodily injury” or “property damage” resulting from the use of reasonable force by an “insured” to protect persons or property;
Expected Or Intended Injury. Property damage" expected or intended from the standpoint of the insured.
Expected Or Intended Injury. Bodily injury" or "property damage" which is expected or intended by an "insured" even if the resulting "bodily injury" or "property damage":
a. Is of a different kind, quality or degree than initially expected or intended; or
b. Is sustained by a different person, entity, real or personal property, than initially expected or intended. However, this Exclusion E.1. does not apply to "bodily injury" resulting from the use of reasonable force by an "insured" to protect persons or property;
Expected Or Intended Injury. The first exclusion states that the policy will not provide coverage for bodily injury or property damage if it is expected or intended from the standpoint of the insured. Note that the exclusion says, “…from the standpoint of the insured.” It’s worth noting that “the” in this exclusion takes on special meaning based upon a condition that shows up later in the policy that states that the insurance applies “separately to each insured against whom the claim is made or the suit is brought.” Let’s consider this in an example that illustrates why the condition for the separation of insured’s is so important. A store employee gets mad at a customer and punches him in the nose. As this act was intentional, the exclusion would apply. But, because of the Separation of Insured’s condition, it would only apply to the employee who intended it. The store owner didn’t intentionally hit anyone. Neither did the store manager. Both of these individuals are insureds on the policy, but the exclusion would apply only to “the” insured who punched the customer – NOT to every insured. In other words, the policy would defend and pay on behalf of the store, but not for the employee who intentionally injured the customer. This exclusion also includes an exception where it says, “This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.” This means that if a court would consider the intentional act in defense of people or property to be “reasonable,” then the exclusion would not apply so coverage would be available.
Expected Or Intended Injury. Bodily injury or property damage expected or intended from the standpoint of the insured.
Expected Or Intended Injury. Any injury, damage, or loss of any kind which was expected or intended, or which should have been expected, from the standpoint of the Member who caused it, regardless of whether the injury, damage, or loss that resulted is different from what was expected or intended. This exclusion does not apply to bodily injury resulting from:
a. The use of reasonable force to protect persons or property; or
b. Corporal punishment to any student or pupil administered by or at the direction of the Member, provided that the Board of Education has adopted a policy authorizing the use of corporal punishment.
