What are the common exclusions in XL Group's insurance policies?

XL Group offers a wide range of insurance products, and while the specific exclusions can vary by policy type and coverage options, there are some common exclusions that customers may encounter. Generally, standard exclusions in many insurance policies often include losses resulting from intentional acts, illegal activities, and war. In the realm of property insurance, exclusions may reference certain natural disasters, such as earthquakes or floods, unless specifically covered by an additional endorsement. Liability policies can exclude coverage for professional services or errors, often necessitating separate professional liability insurance. It is also common to see exclusions related to wear and tear, as policies typically cover unexpected events rather than gradual deterioration. Furthermore, certain high-risk activities or hazardous materials may not be covered under standard policies. For a comprehensive understanding of exclusions relevant to a specific policy, it is advisable to carefully review the terms and conditions provided with the insurance documentation. Additional details may also be available on XL Group's current website, which can be a helpful resource for exploring specific products and their associated exclusions.