Which of the following represents a liability that is often excluded in business auto insurance policies?

Liability due to intentional acts is often excluded in business auto insurance policies because such policies are generally designed to cover unintentional accidents and damages that occur during the ordinary course of business operations. Intentional acts, by their nature, involve a willful disregard for safety and can include actions such as vandalism, assault, or the purposeful infliction of damage. Insurance policies typically do not cover these acts, as they go against the fundamental purpose of providing protection against unforeseen events.

In contrast, liability from personal use of vehicles, the use of non-owned vehicles, and liability from hired auto usage may still be covered under certain conditions in business auto policies, as these scenarios can include unintentional incidents that the insurance is intended to protect against. Thus, the exclusion of liability due to intentional acts aligns with standard industry practices, ensuring that insurance does not endorse or protect against deliberate wrongdoing.