I Loss or damage where any member of the insureds household or his business staff is concerned as principal or accessory or resulting from any act committed by any other person lawfully on the premises wherein the property may happen to be. When purchasing a life insurance policy it is extremely important to know the exclusions and read the fine print of terms and conditionsHaving done the hard work of paying the premium the last thing you want is your loved ones having. Similarly injuries or disabilities suffered during working hours under the influence of drugs or liquor is inadmissible under the WC policy.