another insurance question - coverage exemptions?

proxim2020 wrote:
As with most forms of insurance, negligence isn't covered. In this case not only did the operator cause the damage, but also failed find and report the damage in a reasonable time frame.

I disagree. Negligence IS covered with most forms of insurance. If I negligently cause an auto accident, I'm covered. If I leave a pot cooking on the stove while I run to the store and a fire results, I'm covered. Etc., etc.