Acts Of God

"Acts of God" is an oft used term which tends to be defined as natural threats (as opposed to accidental or intentional), which is not the fault of any individual.  Examples generally include lightening, hail, windstorms, flood, earthquake, volcanic eruption, tidal wave, etc.

Acts of God can be insurable. Commercial insurance policies such as Industrial Special Risks (ISR) or perils wordings rarely include the term "Acts of God".  An ISR policy covers all events unless they are specifically excluded (eg. flood, earthquake in North America, etc.) and a perils wordings includes only those specific events (specified risks) that are insured.

The term "Acts of God" is more sometimes referred to in other types of contractual exclusions. For example, it tends to be included in the terms and conditions of service contracts.  Warranty conditions may exclude "Acts of God".  The term may also appear in Force Majeure contracts when these definine the events that are beyond the control of the parties to the contract.

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Author

Published with permission of Claim Solutions Pty Ltd.

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Insurance Policy

Country: - Australia

Policy Description: - Mark IV Industrial Special Risks (ISR) polich and many Fire policies.

Insurer: - Various.

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External Links

 

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