Which of the following would typically be considered an exclusion in an insurance policy?

Intentional damage is generally recognized as an exclusion in most insurance policies. This is because insurance is designed to protect individuals and businesses against unforeseen accidents and losses that they cannot control. When a policyholder intentionally causes damage or loss, it would not be appropriate for the insurance company to cover those costs, as it goes against the principle of indemnity, which is meant to restore the insured to the position they were in before an unintended event occurred.

On the other hand, acts of God, such as natural disasters, may be included in a policy rather than excluded, depending on the specific terms of the contract. Accidental loss is typically covered under standard insurance policies, as it falls within the scope of unintentional incidents that the policy is meant to address. Definable risks may refer to risks that the insurer can evaluate and underwrite but are not specifically classified as exclusions themselves. Hence, the focus on intentional damage as an exclusion aligns with the foundational principles of insurance contracts.