What does the survey of coverage generally exclude?

The survey of coverage typically excludes losses that result from unlawful conduct because most insurance policies are designed to provide coverage for losses that occur under normal, lawful circumstances. Engaging in unlawful acts often voids coverage, as insurers do not want to cover risks associated with criminal activity or negligence. This exclusion emphasizes the principle that insurance is meant to protect against unforeseen, accidental events rather than intentional wrongdoing.

Other options may represent types of losses or circumstances that policies might cover under specific conditions, but losses resulting from unlawful conduct are fundamentally excluded. For example, theft of auto parts could fall under comprehensive coverage depending on the policy terms, coverage for properties in restoration could be addressed depending on the restoration status, and equipment malfunction might also be covered if it falls within the policy parameters. However, the principle remains that unlawful conduct is generally outside the purview of standard coverage, reinforcing the need for lawful behavior to maintain insurance protection.