Which scenario would NOT typically fall under Comprehensive Personal Liability?

Comprehensive Personal Liability coverage is designed to protect individuals from claims made by others for injuries or damages that occur on their property or as a result of their actions. This type of insurance generally covers unintentional acts that lead to harm.

In the scenario involving intentional harm caused by an insured, this would not typically fall under Comprehensive Personal Liability. Insurance policies usually exclude intentional acts because they are deliberate and therefore not considered accidents. The principle behind liability insurance is to cover unexpected incidents rather than actions that are knowingly harmful or reckless.

In situations like accidental injury to a neighbor, damages from a pet, or injuries while hosting a gathering, those events are typically unintentional and could result in a liability claim that the insurance is designed to cover. By contrast, intentional harm is outside the scope of what liability insurance aims to protect against, reinforcing the rationale behind the exclusion.