Which of the following is a common exclusion in a commercial property insurance policy?

Losses due to war and government actions are indeed a common exclusion in commercial property insurance policies. Insurance companies often exclude these types of risks because they are considered beyond the control of the insured and are associated with catastrophic events that can lead to massive losses, which would be economically unfeasible for the insurer to cover.

War can involve widespread destruction and conflict that affects large areas and numerous properties, making it a significant risk. Similarly, government actions, such as seizure of property or destruction pursuant to national defense, can lead to substantial financial impacts that insurers are not willing to assume. By excluding these events, insurance providers can maintain more stable premium rates and better manage their risks.

In contrast, theft, damage from natural disasters, and accidental damage to property typically fall within the parameters of coverage, provided the proper endorsements or riders are added to the policy, or the loss is not specifically excluded. Understanding these exclusions is essential in evaluating the adequacy of a commercial property insurance policy and ensuring that the coverage aligns with the specific needs and risks of the business.