What are some general policy exclusions in insurance?

Insurance policies typically include exclusions that outline specific situations, events, or conditions not covered by the policy.  While the specific exclusions can vary depending on the type of insurance and the insurer, here are some common general exclusions found in many insurance policies:

Government Actions
Losses due to government actions, such as confiscation, nationalisation, or demolition orders.

Pollution and Contamination
Damages or losses caused by pollution or contamination, unless specifically covered by the policy.

Acts of God
Natural disasters such as earthquakes, floods, and hurricanes, unless specifically included in the policy (e.g., earthquake or flood insurance).

Contractual Liability
Liability assumed under any contract or agreement, unless such liability would have existed in the absence of the contract.

Professional Services
Claims arising from professional services provided by the insured, unless the policy specifically includes professional liability coverage.

It's essential to read the policy thoroughly and understand its exclusions to avoid surprises when filing a claim.  Discussing with a qualified Insurance Broker can also provide clarity on specific exclusions and potential coverage options.

Westralian Insurance is here to help.  Give our knowledgeable, friendly team a call today, on (08) 9302 1388, or visit www.westralianinsurance.com.au