Section 5.22 Intentional Acts

• Library: Insurance Practice 2015

The intentional act exclusion—often so called although it usually excludes intended injuries and intended damages, not intended acts—is in general use in Missouri. The Shelter policy excludes “Bodily injury or property damage caused intentionally by or at the direction of the insured.” A slightly different variation, used in other policies, excludes “bodily injury and property damage expected or intended by the insured.” The insured’s “expectation” may be more objective, based on the familiar reasonable...