Summary: Commercial liability forms (e.g., the commercial general liability coverage form, or the CGL form) and personal liability forms (e.g., the homeowners policy) have long contained a provision excluding from liability coverage  claims for "bodily injury" and "property damage" expected or intended by the insured. However, there is no consensus concerning the meaning of this phrase; courts have applied a variety of definitions and tests to determine whether liability coverage for the injury or loss should be excluded. This discussion analyzes the various issues concerning the interpretation of this phrase.

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