What is Exclusions | Insurance glossary by upcover

In a typical insurance policy, an exclusion refers to a specific provision that removes coverage for certain events, circumstances, or types of loss. These are clearly outlined in the policy to define what is not insured—such as intentional acts, war, cyber incidents, or pre-existing conditions—depending on the type of insurance. Exclusions help insurers manage risk and keep premiums affordable by limiting exposure to high-cost or unpredictable claims.

Related Term

Sub-limit

Retroactive Date

Renewal

All Category

Financial

Legal

Insurance Documents

Fundraising

Employment

Policy

Risk Management

E&O

D&O

Commercial Insurance

Cyber

Compliance

Related Term

Sub-limit

Retroactive Date

Renewal

All Category

Financial

Legal

Insurance Documents

Fundraising

Employment

Policy

Risk Management

E&O

D&O

Commercial Insurance

Cyber

Compliance

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.