Exclusions

Known wrongful act exclusion wording and examples

Known wrongful act exclusions bar coverage when an insured knew of a wrongful act, fact, circumstance, or potential claim before a stated date. These excess forms address acts known before a specified date that are reasonably believed likely to give rise to a claim above the attachment point.

Coverage classification

Form type
Exclusions

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Known wrongful act exclusion forms compared by Intent, Whose knowledge, Conditions
FormIntentWhose knowledgeConditions

HDI Global Insurance Company

Known Wrongful Act Exclusion (Full Severability) Endorsement

XS EXC 80118 MU 03 26

Excess Insurance

Excludes specified non-indemnifiable claims arising from an act known to an insured by the stated date.Applies to the insured with the relevant knowledge; the form says knowledge is not imputed to another insured.The insured must reasonably believe the act may give rise to a non-indemnifiable claim above the attachment point.

Vantage Risk Assurance Company

Known Wrongful Act Exclusion

EX 10579 0824

Excess Insurance

Excludes specified claims arising from an act known by the named executive at the stated date.The form has a placeholder for the named insured’s chief executive officer or chief financial officer.The named executive must reasonably believe the act may give rise to a claim above the attachment point.

Notable clauses

“shall not be imputed to any other Insured”

HDI Global Insurance Company · Known Wrongful Act Exclusion (Full Severability) Endorsement · XS EXC 80118 MU 03 26

Severability. One insured’s knowledge is not attributed to another insured to decide whether this exclusion applies.

“reasonably believes may give rise to any claim in excess of the attachment point”

Vantage Risk Assurance Company · Known Wrongful Act Exclusion · EX 10579 0824

Knowledge at a stated date. The form ties the knowledge test to a named executive and a stated date.

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