What losses are excluded from policies due to their certainty rather than risk?

Nonaccidental losses are excluded from insurance policies because they are predictable and certain rather than random or risky in nature. Insurance operates on the principle of covering unforeseen and accidental events; therefore, if a loss is deemed nonaccidental, it lacks the uncertainty that is fundamental to insurance. These losses can often be anticipated or caused by human actions, which goes against the purpose of transferring risk through an insurance policy.

For example, if a property is deliberately damaged or lost due to neglect, the insurer would typically not cover such scenarios since they can be foreseen and often prevented. In this context, it is not an insurable event, as the predictable nature of such losses means they can be managed or controlled by the insured.

Catastrophic losses, accidental losses, and controllable losses each involve various degrees of randomness or unpredictability, and thus they are typically within the scope of coverage provided by insurance policies. This contrasts sharply with nonaccidental losses, which are systematically excluded due to their predictable nature.