What aspect is commonly excluded from the broad form policy for commercial risks?

The broad form policy for commercial risks is designed to provide comprehensive coverage but often has some exclusions to limit liability. The exclusion of electrical currents is significant because while standard policies may cover property damage or injury caused by electrical failure, certain broader policies do not include this coverage when it results from specific circumstances.

This exclusion helps insurers manage risk related to electrical systems that can result in complex claims due to their various causes—such as improper installation or maintenance—which may not be straightforward to evaluate. The focus of broad form policies is usually to cover risks that are more predictable and manageable, while electrical issues often involve a detailed assessment of the circumstances leading to the damage or harm, making it more difficult for insurers to underwrite against those risks.

In contrast, aspects like water damage, intentional acts, and natural disasters may have their own forms of coverage or exclusions, but electrical currents are specifically noted because of the high risk and variable situations that can arise from their usage.