A bar owner intentionally punches a customer during an argument and is sued for battery. The bar owner submits the claim under his CGL policy. The insurer will MOST LIKELY:
a.Pay under Coverage C – Medical Payments only
b.Pay because intentional torts are still negligence
c.Pay the claim, because every CGL covers any bodily injury
d.Deny the claim under the 'Expected or Intended Injury' exclusion in Coverage A
Explanation
CGL Coverage A excludes bodily injury or property damage 'expected or intended from the standpoint of the insured.' Intentional torts such as battery, assault, and trespass are precisely what this exclusion targets. (Some exceptions exist, such as reasonable force to protect persons or property.) The insurer would owe no defense or indemnity for the deliberate punch.
Law Reference: ISO CGL exclusions – Expected or Intended InjuryThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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