Exceptions to coverage are generally strictly interpreted against the insurer.

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This is a basic principle of insurance law, known as the "contra proferentem" rule, which means that any ambiguity or uncertainty in the language of the policy is construed against the insurer and in favor of the insured. Courts generally take a narrow view of exclusions or limitations on coverage, and require insurers to clearly and unambiguously spell out any exceptions or restrictions. This is intended to ensure that consumers are not misled or disadvantaged by complex or confusing insurance contracts, and that insurers are held accountable for the promises they make.

Exceptions to Coverage Are Generally Strictly Interpreted Against the Insurer