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Every insurance policy has exclusions or policy provisions that eliminate coverage for specified exposures. Exclusions serve as a way to clarify the coverages granted by the policy. Most policies have a section entitled Exclusions. However, an exclusionary provision can be anywhere in the policy. Furthermore, an exclusion may also contain a broadening provision. For example, in the commercial general liability policy, the Aircraft, Auto, orWatercraft Exclusions eliminate coverage for the ownership, maintenance, use, or entrustment of these vehicles or vessels.

However, the exclusion has five exceptions where the policy covers watercraft, such as while ashore on the insured's premises and for certain nonowned watercraft. Or under a directors' and officers' liability policy a contractual exclusion may also be a broadening provision when it indicates that the exclusion does not apply to an employment practices claim. Always read the policy carefully and note the provisions that apply to your operations.

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