Editing Insurance (section)

===Exclusions===
Policies typically include a number of exclusions, for example:
* [[Nuclear exclusion clause]], excluding damage caused by nuclear and radiation accidents
* [[War exclusion clause]], excluding damage from acts of war or terrorism.<ref>{{cite news |last1=Menapace |first1=Michael |title=Losses From Malware May Not Be Covered Due To Your Policy's Hostile Acts Exclusion |url=https://www.natlawreview.com/article/property-insurance-cyber-insurance-coverage-and-war-losses-malware-may-not-be-0 |access-date=25 April 2019 |work=The National Law Review |date=10 March 2019}}</ref><ref>{{cite news |last1=Stock |first1=Rob |title=Insurers waive terrorism exclusions for Christchurch shooting victims |url=https://www.stuff.co.nz/national/christchurch-shooting/111397687/insurers-waive-terrorism-exclusions-for-christchurch-shooting-victims |access-date=25 April 2019 |work=Stuff |date=19 March 2019}}</ref>

Insurers may prohibit certain activities which are considered dangerous and therefore excluded from coverage. One system for classifying activities according to whether they are authorised by insurers refers to "green light" approved activities and events, "yellow light" activities and events which require insurer consultation and/or waivers of liability, and "red light" activities and events which are prohibited and outside the scope of insurance cover.<ref>California State PTA (2019), [http://downloads.capta.org/Leaders/Insurance/CAPTA_Insurance_Guide_2019_FINAL.pdf Insurance Guide], revised April 2019, accessed 19 December 2020</ref>