Which of the following represents an exclusion commonly found in general liability insurance?

In general liability insurance, exclusions are specific situations or types of damage that the policy does not cover. Intentional acts are commonly excluded because insurance is designed to protect against unforeseen events rather than those that are deliberately harmful. Specifically, if a policyholder engages in willful conduct that leads to injury or property damage, the insurer typically will not provide coverage for the claims linked to those intentional actions. This aligns with the principle that insurance is meant to cover unexpected risks, not actions that are intentionally harmful or negligent.

In contrast, damages due to negligence can be covered by general liability insurance, as they are often considered unintentional. Medical expenses, which may arise from accidents or injuries covered by the policy, typically fall under coverage provisions rather than exclusions. Product liability claims, commonly included in general liability coverage, arise from damages caused by a product, therefore they would not be classified as exclusions under most general liability policies.