Which of the following principles is a standard exclusion in a general liability policy?

The principle of automobile liability is considered a standard exclusion in a general liability policy because general liability insurance specifically excludes coverage for bodily injury or property damage arising out of the use of an automobile. This is primarily due to the fact that there are separate types of insurance, such as auto insurance, that are designed to handle the unique risks associated with vehicles. Therefore, when a general liability policy is structured, it intentionally restricts coverage related to automobiles to avoid overlapping with auto liability policies, which have distinct terms and coverages tailored to that specific exposure.

In contrast, the other principles listed, such as Social Security payments, employee infidelity, and economic recession, do not typically relate directly to the core scope of general liability coverage and are either better addressed in different forms of insurance or are simply not part of the exclusions for general liability policies. These exclusions are set to clarify and delineate the responsibilities and scope of coverage provided under a general liability policy, ensuring that it does not encompass scenarios that fall under other specialized insurance lines.