Which of the following would most likely not be covered under a standard liability insurance policy?

The reason intentional and criminal acts of the insured would not be covered under a standard liability insurance policy is that these policies are designed to protect against unintentional harm and negligence rather than deliberate wrongdoing. Liability insurance aims to provide coverage for claims arising from accidental injuries or damages that occur as a result of the insured's actions.

When an act is intentional or criminal, it typically falls outside the scope of the coverage because these behaviors contravene the principles of risk management that liability insurance is based upon. Insurers expect that policyholders will not engage in illegal or intentionally harmful behaviors, and such exclusions are common to prevent moral hazard—where an individual might take undue risks if they knew they were covered for wrongful acts.

In contrast, accidental injuries, legal defense costs due to lawsuits, and damage to third-party property are all situations where the insured might unintentionally cause harm or face legal action, which is why those would generally be covered under standard liability policies.