Willful act exonerates insurer, negligence does not

N.D. Cent. Code § 26.1-32-04
in effect
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26.1-32-04. Willful act exonerates insurer, negligence does not An insurer is not liable for a loss caused by the willful act of the insured, but the insurer is not exonerated by the negligence of the insured or of the insured's agents or others.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t26-1c32.pdf#nameddest=26p1-32-04Fetched: 10/16/2026

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