Which of the following is NOT considered an exclusion under the Anti-Concurrent Causation?

In the context of commercial property insurance, exclusions under the Anti-Concurrent Causation (ACC) clause are elements that are specifically listed as not covered by the policy. The ACC clause is important because it clarifies how certain causes of loss that occur simultaneously can impact coverage.

Weather conditions typically encompass a range of effects such as storms, hail, and related phenomena that could be the cause of a loss in a property insurance context. Therefore, it does not fall under the typical exclusions found in an ACC clause, which often includes factors like war, earth movement, and utility services that are distinctly laid out as non-covered events.

In contrast, earth movement (including earthquakes and landslides), utility services interruptions (which address failures of water, gas, electric, or other services), and losses due to war are clearly understood as exclusions. These exclusions are part of the standard language in many commercial property policies, meaning that insured parties should be aware that such causes will not be compensated under the policy.

Thus, recognizing that weather conditions are generally not deemed an exclusion under the ACC clause helps clarify the coverage expectations of a commercial property insurance policy. This understanding reinforces the importance of reading and understanding the specifics of the insurance policy’s terms and how they frame the coverage