All Risks Clause Samples

The 'All Risks' clause serves to provide comprehensive insurance coverage for loss or damage to insured property, except for those risks specifically excluded in the policy. In practice, this means that unless a particular cause of loss is expressly listed as an exclusion, the insurer will cover the claim, whether the damage results from fire, theft, accidental breakage, or other unforeseen events. This clause is designed to maximize protection for the insured by shifting the burden of proof to the insurer to show that an exclusion applies, thereby reducing gaps in coverage and ensuring broader risk allocation.