Plain-English meaning
Policy language that removes specified losses, causes, property, people, uses, or circumstances from coverage.
Why it matters
An exclusion can matter more than a small premium difference.
Where you may see it
Base forms, endorsements, definitions, and claim letters.
What to verify
Exact wording, exceptions, ensuing-loss language, endorsements that restore coverage, and state-specific changes.
Do not confuse it with
A deductible or sublimit; those may reduce payment without removing coverage entirely.
For policy-specific meaning, read the definition and related provision in the issued policy.