Question

In the terrorism exclusion clause, what does it mean when it states that the exclusion applies "regardless of any other cause or event"?

a.

The exclusion only applies if there are no other causes contributing to the loss.

b.

The exclusion applies even if there are other causes contributing to the loss.

c.

The exclusion is nullified if there are other causes contributing to the loss.

d.

The exclusion only applies if the loss is solely caused by a terrorist activity.

Posted under IC85 Reinsurance Management

Answer: (b).The exclusion applies even if there are other causes contributing to the loss. Explanation:When the terrorism exclusion clause states that the exclusion applies "regardless of any other cause or event," it means that the exclusion remains in effect even if there are other causes contributing to the loss. The presence of other causes does not nullify the exclusion. Therefore, losses related to terrorist activities are excluded, regardless of any other contributing causes or events.

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Q. In the terrorism exclusion clause, what does it mean when it states that the exclusion applies "regardless of any other cause or event"?
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