What is NOT a true statement regarding the ward exclusion?

The statement that the ward exclusion pertains exclusively to international conflicts is not true. The ward exclusion is intended to cover a broad range of situations that can lead to significant losses, including acts of war and civil insurrections, regardless of whether these events take place internationally or domestically. Essentially, the exclusion encompasses any situation that is related to war or civil unrest, thus not limiting itself solely to international contexts.

The other options accurately reflect aspects of the ward exclusion. It does apply to injuries resulting from acts of war, thereby eliminating coverage for damages directly tied to warfare. The exclusion also extends to civil insurrections, meaning that events that may disrupt public order and safety can be excluded from coverage. Lastly, restrictions on coverage during declared emergencies can sometimes fall under the umbrella of ward exclusions, further emphasizing the scope of risks that this exclusion covers. This understanding of the ward exclusion helps clarify its application and reinforces its role in insurance policies.