Exclusions in insurance policies are those events, occurrences or types of damage or loss not covered by a policy.  Exclusions can vary from one insurance policy to another. An incorporated association should pay special attention to any exclusions when considering the type and extent of cover. 

Some examples of common exclusions are:

  • workers' compensation and professional indemnity cover may not extend to volunteers;
  • the loss of cash kept on premises may not be covered;
  • items valued over a certain amount may not be covered; and
  • the use of private cars for work purposes may not be covered under the owner's private car insurance.