Anti-concurrent causation language (ACC)

Term · Insurance and risk management · MLC-T-INS-000433

Policy wording that excludes coverage when a loss is caused by two or more perils, and at least one of those perils is excluded, regardless of the sequence in which they occur. This language is commonly found in property insurance policies to clarify that if an excluded peril contributes to a loss, no coverage is provided, even if a covered peril also contributed. It aims to prevent coverage for losses that might otherwise be argued as covered due to a concurrent covered cause.

Table 1. Record
Identifier	MLC-T-INS-000433
Field	Insurance and risk management
Abbreviation	ACC

Record as JSON

{
  "id": "MLC-T-INS-000433",
  "term": "Anti-concurrent causation language (ACC)",
  "field": "Insurance and risk management",
  "definition": "Policy wording that excludes coverage when a loss is caused by two or more perils, and at least one of those perils is excluded, regardless of the sequence in which they occur. This language is commonly found in property insurance policies to clarify that if an excluded peril contributes to a loss, no coverage is provided, even if a covered peril also contributed. It aims to prevent coverage for losses that might otherwise be argued as covered due to a concurrent covered cause.",
  "abbreviation": "ACC",
  "url": "https://mlchart.com/terminology/insurance/anti-concurrent-causation-language-acc/"
}

Record 171 of 3,708 in Insurance and risk management terminology (MLC-0106). Request the full dataset.