Under an open perils policy, the burden of proof to show a loss was caused by an excluded peril rests with whom when the insurer seeks to deny a claim?

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Multiple Choice

Under an open perils policy, the burden of proof to show a loss was caused by an excluded peril rests with whom when the insurer seeks to deny a claim?

Explanation:
In an open perils (also called all-risk) policy, everything is covered unless a specific exclusion applies. When the insurer chooses to deny a claim, the burden is on the insurer to prove that the loss was caused by a peril that is excluded by the policy. If the insurer cannot establish an exclusion, the loss is covered. This means the insured isn’t required to prove coverage first; the insurer must show the cause falls under an exclusion to deny the claim.

In an open perils (also called all-risk) policy, everything is covered unless a specific exclusion applies. When the insurer chooses to deny a claim, the burden is on the insurer to prove that the loss was caused by a peril that is excluded by the policy. If the insurer cannot establish an exclusion, the loss is covered. This means the insured isn’t required to prove coverage first; the insurer must show the cause falls under an exclusion to deny the claim.

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