How does CGL handle intentional acts by the insured?

• A. It excludes coverage for bodily injury or property damage that is expected or intended by the insured.
• B. It covers all intentional acts if the insured pays an extra premium.
• C. It includes punitive damages automatically.
• D. It covers only intentional acts related to workplace safety.

Answer: (A)

CGL is designed to respond to accidents and unintentional harm, not deliberate actions. The policy excludes bodily injury or property damage that is expected or intended by the insured, meaning if someone plans or anticipates harm, that loss isn’t covered. This keeps insurance from subsidizing intentional wrongdoing and ensures coverage for genuine accidents or negligence remains intact. For example, if a person deliberately injures someone or damages property on purpose, the loss falls outside the policy’s protection. The other ideas don’t fit because coverage isn’t gained by paying more, punitive damages aren’t automatically included in a standard CGL, and there isn’t a narrow rule that only targets some intentional acts like those related to workplace safety.