Which of the following is NOT typically covered under a standard liability policy?

A standard liability policy is designed to provide protection against claims arising from various types of injuries or damages that one might be legally responsible for. Personal injury claims, which can include things like defamation or invasion of privacy, are covered due to their potential to harm another individual's reputation or well-being. Bodily injury claims are also covered as they address physical harm to others, which is a primary focus of liability insurance. Similarly, damage to property owned by others is included, as it reflects the insurer's commitment to cover claims arising from the insured’s activities that lead to unintended damage.

However, intentional acts by the insured are generally excluded from coverage under a standard liability policy. This exclusion is crucial because allowing coverage for intentional acts would undermine the fundamental purpose of liability insurance, which is to protect against accidental harm rather than deliberate actions that cause damage or injury. This helps maintain the integrity of the insurance system and ensures that it is used to cover genuine accidental losses rather than providing a safety net for wrongful conduct.