Which section of an insurance policy is designed to omit certain risks from coverage?

The section of an insurance policy that is designed to omit certain risks from coverage is the exclusions. This part outlines specific situations, hazards, or circumstances that are not covered by the policy. For instance, common exclusions might include damage resulting from earthquakes, floods, or intentional acts. By clearly outlining what is not covered, exclusions help both the insurer and the insured understand the limits of the policy and avoid misunderstandings regarding coverage.

In contrast, the conditions section of a policy details the obligations and responsibilities of both the insurer and the insured that must be met for coverage to be valid, defining how the policy functions rather than what it omits. The definitions section provides clarity on the specific terms used within the policy, ensuring that both parties have a mutual understanding of the language. The insuring agreement is the core part of the policy that specifies what is covered, outlining the scope of protection provided under the insurance contract. While all these sections play essential roles in the overall structure of a policy, it is the exclusions that focus specifically on what is not included in the coverage.