"Act of Man" in Insurance: Definition, Examples & Limits

In insurance terminology, an "act of man" refers to any loss or damage caused by human action—whether intentional, negligent, or accidental. It contrasts with "acts of God" (natural disasters beyond human control).

What Qualifies

• Theft, burglary, vandalism
• Intentional property damage
• Negligence (e.g., leaving a faucet running, causing water damage)
• Arson
• Civil disturbances, riots
• Damage caused by domesticated animals (often considered under human responsibility)

What Does NOT Qualify

Involuntary biological reflexes—such as sneezing, coughing, or a sudden seizure—are not considered acts of man because they lack intent or negligence. Even if a sneeze causes an accident (e.g., while driving), liability would typically fall under general negligence or auto insurance, not the "act of man" classification.

Policy Implications

Many property and liability policies cover acts of man, but exclusions may apply for intentional acts by the insured. Always review your policy’s definitions and exclusions.