Assault and Battery

April 2008

All D&O policies exclude coverage for claims that allege bodily injury and property damage. These exclusions focus on specific types of injury rather than a particular type of wrongful act, and are excluded because they are exposures that are typically covered by the organization's general liability policy. Most D&O policies also exclude some types of personal injury and/or advertising injury, again because these exposures are usually the subject of general liability coverage. A generic example of D&O policy wording that excludes bodily injury and property damage, as well as certain personal injury offenses, follows: