War Exclusion Clause

War Exclusion Clause

1. A clause in some life insurance policies stating that the insurer does not have to pay the death benefit if the insured dies from a war-related injury. War exclusion clauses are most common in wartime; they generally cannot be added if a war starts after a policy is issued.

2. A clause in some bills of lading and other transport documents exempting the insurer from paying losses if a ship is damaged or destroyed as the result of an act of war. For example, if a torpedo fires on a ship as part of a declaration of war or other hostile act, the war exclusion clause protects the insurer from covering the value.