What is a Peril?
Written by Doug Huen
Updated over a week ago

A Peril is an event that may cause injury, loss or destruction. It may be natural or the result of human intervention. A peril may or may not be insurable.

Below are some examples of insurable and excluded Perils:

Insurable Perils

Excluded Perils (Non-insurable)

Fire or lightning

× Contagious Disease

Windstorm or hail

× Nuclear incident and radioactive contamination

Riot, vandalism and malicious acts.

× Pollution


× Terrorism

Please be advised that the above list does not include all the coverages and exclusions. If you have any questions or need assistance, you contact one of our insurance specialists by clicking the chat icon or emailing us at [email protected].

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