These plans do not cover intentional damages accidents such as drops and spills, product s damaged by natural disasters such as fire or flooding, theft, and product used for commercial purposes. (wayfair.ca)
I've witnessed intentional damaging acts because clinicians felt the client deserved to be punished or taught a lesson. (believemidwiferyservices.com)
They have to pay in case of negligence, gross negligence, but not for intentional damage. (law.stackexchange.com)