Calstar Insurance Agency



Calstar Insurance Agency

Forever Your Insurance Partner

Common Exclusions

Understanding what your policy excludes can save a lot of headaches in the event you have a claim. Every policy holder should read their policy from front to cover. You are buying a legal contract that will determine if an insurance company will pay for the damages resulting from a claim. Court cases have determined that ignorance is no excuse and that policy holders are responsible for reading and understanding their policies.

Here is a list of some common policy exclusions. Note that most exclusions can be covered by purchasing a separate and specific insurance policy:

Some Common Exclusions



  • Earthquake - Including Earthquake Sprinkler Leakage 
  • Flood including sewer & drain backup.
  • Electrical Arching, Mechanical Breakdown, Explosion
  • Off Premises Power Failure
  • Building Ordinance
  • Demolition
  • Loss to undamaged portion of building due to ordinance/law


General Liability:

  • Absolute Pollution
  • Employment Practices - Discrimination, Wrongful Discharge, Sexual Harassment
  • Director's & Officer's Liability
  • Professional Liability- Rendering or failure to render professional service.
  • Punitive and/or Exemplary Damages

Business Auto:

  • Rental Car Physical Damage
  • Loss of Income due to down time


  • Trailer Interchange
  • Non-owned Auto - Private Passenger Vehicles
  • Non-Trucking Use (Bobtail Coverage)


  • Hostile Fire

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