Expected or intended

{
  "id": "MLC-T-INS-001396",
  "term": "Expected or intended",
  "field": "Insurance and risk management",
  "definition": "A common exclusion in liability insurance policies, stating that coverage does not apply to bodily injury or property damage that is expected or intended from the standpoint of the insured. This clause prevents coverage for deliberate acts that cause harm, reinforcing the principle that insurance is for fortuitous losses. It distinguishes between accidental occurrences and willful misconduct.",
  "url": "https://mlchart.com/terminology/insurance/expected-or-intended/"
}