War Clause

A War Clause is a provision in an insurance policy that excludes coverage if a war, invasion, or related military conflict occurs. Essentially, it states that damages or losses caused by war or similar events are not covered by the policy. This is because such events can cause extensive and unpredictable damage, making claims difficult to assess and settle. The clause helps insurance companies limit their exposure to large, costly claims resulting from wars, ensuring the policy applies primarily to everyday risks and accidents.