Among the most noteworthy exclusions in a typical general casualty policy are:
- Liability arising in connection with ownership, maintenance operation, use, loading or unloading of automobiles, aircraft and large watercraft. These should be addressed by separate automobile, aircraft, and marine liability policies.
- Employment-related liabilities, including obligations under Workers' Compensation, unemployment, or disability benefits laws and work-related claims under common law by employees or their family members. These may be treated by a combination of Workers' Compensation and Employer's Liability coverage or Directors' &Officers' Liability policies.
- Damage to property owned, used or occupied by the policyholder, or property in an insured party's care, custody or control.
- Liability resulting from the willful violation of laws addressing discrimination, humiliation, harassment or wrongful termination because of race, creed, age or sex. These risks should be addressed by a separate Directors' and Officers' policy.
- Risk of fines, penalties, punitive or exemplary damages typically awarded to punish willful, wanton or reckless behavior (gross negligence). Most states prohibit insurance for this liability, because doing so would work against the good of society.
- Liability arising from pollution, nuclear energy or asbestos. These are universally uninsurable exposures, except within stand-alone specialty policies.