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.

Topics covered:

Various approaches to interpretation