Which of the following is a common exclusion in most General Liability policies?

Intentional damage caused by the insured is a common exclusion in most General Liability policies because insurance is designed to protect against unforeseen accidents and liabilities, not deliberate actions. When an insured intentionally damages property or injures someone, this behavior is contrary to the fundamental purpose of insurance, which is to mitigate risk from unintentional acts. Insurers cannot cover actions that were knowingly and willingly performed, as it would create moral hazard and defeat the principle of indemnity.

The other options, while potentially excluded or limited under certain conditions, do not align as commonly recognized exclusions. For instance, claims arising from an employee's acts may be covered under employer liability sections or workers' compensation policies rather than general liability. Property damage caused by negligence is usually covered by liability policies, as that is a primary function of such insurance. Consequential loss due to business interruption is typically addressed in separate business interruption insurance rather than in general liability policies, making it less relevant to the question of exclusions in general liability coverage. Thus, intentional damage is clearly positioned as a fundamental exclusion in these policies.