Common business insurance exclusions

Every policy leaves something out. Here is what is commonly excluded, so there are no surprises later.

By the InsuranU team Updated July 20263 min read

Reading the exclusions matters more in business insurance than almost anywhere else, since the stakes of a gap are higher.

Commonly excluded

Ask specifically about cyber liability and any industry-specific exclusions relevant to your business.

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More from the business insurance checklist.

The most common starting policy for small businesses.

Coverage for advice and services, not accidents.

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Is cyber liability included in a standard policy?

Rarely by default. It usually needs to be added separately.

Are exclusions the same across all insurers?

No, they vary, so reading the policy details before buying is worth the time.

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