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War Exclusion Clause

What is 'War Exclusion Clause'

A clause in an insurance policy that specifically excludes coverage for acts of war such as invasion, insurrection, revolution, military coup and terrorism. A war exclusion clause in an insurance contract refers to protection for an insurer who will not be obligated to pay for losses caused by war-related events. Insurance companies commonly exclude coverage perils that they cannot afford to pay claims on.

Explaining 'War Exclusion Clause'

Because most insurance companies would be unable to remain solvent, let alone profitable, if an act of war suddenly presented them with thousands or millions of expensive claims, auto, homeowners, renters, commercial property and life insurance policies often have war exclusion clauses. However, entities that are faced with a significant risk of war, such as companies located in politically unstable countries, may be able to purchase a separate war risk insurance policy.


Further Reading


'Child Soldiers' as 'Non-Combatants': the inapplicability of the refugee convention exclusion clause
www.tandfonline.com [PDF]
… are often refused asylum.66 This is a particularly egregious reality given that many civil and other wars in the … 62. R. Van Emden, Boy Soldiers of the Great War (London: Headline Book Publishing 2005 … G. Gilbert, 'Current issues in the application of the exclusion clauses' (note 8 …

The politics of productivity: foundations of American international economic policy after World War IIThe politics of productivity: foundations of American international economic policy after World War II
www.jstor.org [PDF]
… are often refused asylum.66 This is a particularly egregious reality given that many civil and other wars in the … 62. R. Van Emden, Boy Soldiers of the Great War (London: Headline Book Publishing 2005 … G. Gilbert, 'Current issues in the application of the exclusion clauses' (note 8 …

Class war-on-terror: counterterrorism, accumulation, crisisClass war-on-terror: counterterrorism, accumulation, crisis
www.tandfonline.com [PDF]
… are often refused asylum.66 This is a particularly egregious reality given that many civil and other wars in the … 62. R. Van Emden, Boy Soldiers of the Great War (London: Headline Book Publishing 2005 … G. Gilbert, 'Current issues in the application of the exclusion clauses' (note 8 …

Why White, not Keynes? Inventing the post-war international monetary systemWhy White, not Keynes? Inventing the post-war international monetary system
link.springer.com [PDF]
… are often refused asylum.66 This is a particularly egregious reality given that many civil and other wars in the … 62. R. Van Emden, Boy Soldiers of the Great War (London: Headline Book Publishing 2005 … G. Gilbert, 'Current issues in the application of the exclusion clauses' (note 8 …

Revisionists and Fundamentalists: the Labour Party and Economic Policy during the Second World WarRevisionists and Fundamentalists: the Labour Party and Economic Policy during the Second World War
www.cambridge.org [PDF]
… are often refused asylum.66 This is a particularly egregious reality given that many civil and other wars in the … 62. R. Van Emden, Boy Soldiers of the Great War (London: Headline Book Publishing 2005 … G. Gilbert, 'Current issues in the application of the exclusion clauses' (note 8 …



Q&A About War Exclusion Clause


What is a war exclusion clause?

A war exclusion clause is a specific part of an insurance policy that excludes coverage for acts of war.

Why do most insurance companies exclude coverage perils they cannot afford to pay claims on?

Most insurance companies would be unable to remain solvent if they were faced with thousands or millions of expensive claims.

Who might need separate war risk insurance policies?

Entities that are faced with significant risks in politically unstable countries may need separate war risk insurance policies.

What does the term act of war refer to?

The term "act of war" refers to invasion, insurrection, revolution, military coup and terrorism.

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