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that treatment, not subject matter, makes the difference

If an exclusion prohibits coverage, the company may not have coverage for important and sometimes catastrophic events, such as property damage by fire, theft/robbery, cyber events, sexual harassment or discrimination claims by employees or others, and bodily injuries to, or caused by, patrons (on and off premises)

2012, doi: 10.1016/j.lpm.2011.09.026

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