Which exclusion is characteristic of BOP liability exclusions?

• A. Expected or intended injury.
• B. Coverage for intentional acts.
• C. Automatic coverage for contractual liability.
• D. Liquor liability is always covered.

Answer: (A)

In liability coverage, injuries that are expected or intended by the insured are not covered. This exclusion targets deliberate acts, ensuring the policy pays only for accidents and unintentional harm. In a BOP, this is a defining exclusion, so coverage applies when harm results from an unexpected accident, not from a purposeful act. Therefore, the statement about expected or intended injury is the characteristic exclusion. The other ideas don’t fit because BOP liability generally excludes intentional acts, contracts-based liability is not automatically covered, and liquor liability is not always covered.