Common use of Intentional Acts Clause in Contracts

Intentional Acts. We do not insure loss or damage which arises out of an intentional act by or at the direction of any insured. This includes any intentional act or intentional failure to act by any insured, where resulting injury or damage would be an objectively probable consequence, even if not subjectively intended or expected by any insured. This exclusion applies whether or not: a. the injury or damage is sustained by persons or property not intended or expected by any insured; or b. the injury or damage is different or greater or of a different quality than that intended or expected. This exclusion will not apply to an innocent co- insured who did not cooperate in or contribute to the creation of the loss if the loss arose out of a pattern of criminal domestic violence and the perpetrator of the loss is criminally prosecuted for the act causing the loss. If we pay a claim to an innocent co-insured, our payment is limited to that insured’s insurable interest in the property.

Intentional Acts. We do not insure loss or damage which arises out of an intentional act by or at the direction of any the insured. This includes any intentional act or intentional failure to act by any the insured, where resulting injury or damage would be an objectively probable consequence, even if not subjectively intended or expected by any the insured. This exclusion applies whether or not: a. the injury or damage is sustained by persons or property not intended or expected by any the insured; or b. the injury or damage is different or greater or of a different quality than that intended or expected. This exclusion will not apply to an innocent co- insured who did not cooperate in or contribute to the creation of the loss if the loss arose out of a pattern an act of criminal domestic violence by another insured and the perpetrator of the loss is criminally prosecuted for the act causing innocent co-insured cooperates in any investigation relating to the loss. If we pay a claim to an innocent co-co- insured, our payment is limited to that insured’s insurable interest in the property.

Intentional Acts. We do not insure loss or damage which arises out of an intentional act by or at the direction of any insured. This includes any intentional act or intentional failure to act by any insured, where resulting injury or damage would be an objectively probable consequence, even if not subjectively intended or expected by any insured. This exclusion applies whether or not: a. the injury or damage is sustained by persons or property not intended or expected by any insured; or b. the injury or damage is different or greater or of a different quality than that intended or expected. This exclusion will not apply to an innocent co- insured who did not cooperate in or contribute to the creation of the loss if the loss arose out of a pattern of criminal domestic violence and the perpetrator of the loss is criminally prosecuted for charged with a crime in connection with the act causing circumstances that caused the loss. If we pay a claim to an innocent co-insured, our payment is limited to that insured’s insurable interest in the property, less any payment made by us to any lienholder with a secured interest in the property.