An exclusion is an insurance provision that eliminates coverage for a particular type of risk. Exclusions limit the amount of coverage by the insurance agreement. In many insurances, the insurance agreement is very diversified. Insurers use exclusions to insure coverage for risks they do not want to insure. In order to determine whether a right has been invoked during the insurance period, a critical question will of course be: what is a “right”? The answer to this question may be relatively simple in civil proceedings, since the service of the remedy is relatively easy to recognize as a claim. Lisa has three fire insurances for her office building. Company A`s directive is for $400,000, and Company B and C`s guidelines are for $100,000 each. If Lisa has a loss of $US 360,000, how much of the loss is covered by each policy if the loss is prorated by insurers? Under the terms of Jenny`s auto insurance policy, she must pay the first $500 of physical damage to her vehicle before her insurer pays anything. What type of deductible is included in Jenny`s car insurance? Eric`s belongings were damaged in an accident. He called his agent to see if the loss was covered by his non-life insurance. The officer said, “As long as the cause of the loss is not explicitly excluded in the policy, the loss is covered.” Based on the agent`s response, what type of insurance agreement appears in the policy? Many D&O policies offer coverage to both individuals and businesses. Whether or not a natural or legal person is insured under the policy often depends on both the status of the person and the capacity in which he or she acted. .