Which of the following is considered a Broad Perils exclusion?

In the context of insurance policies, Broad Perils coverage typically includes a wide range of risks but also specifies certain exclusions to limit liability. “Accidental discharge from continuous leaking” is categorized as a Broad Perils exclusion because it pertains to issues that arise from ongoing wear and tear or neglect, rather than unexpected events. Insurance policies want to avoid covering losses that result from situations that should have been managed through regular maintenance.

Understanding that Broad Perils coverage is designed to cover sudden and accidental perils helps clarify why continuous leaking, which is often associated with maintenance issues, is excluded. This exclusion aligns with the purpose of insurance to cover unforeseen and unintentional events rather than incidents stemming from predictable or avoidable conditions.

The other options are not considered exclusions under Broad Perils. For instance, damage from the weight of falling particles, electrical current damage, and burglary damage would generally be covered by Broad Perils, as they represent sudden, unexpected incidents that the insurance is designed to address.