N.D. Cent. Code § 26.1-32-04
26.1-32-04. Willful act exonerates insurer, negligence does not
26.1-32-04. Willful act exonerates insurer, negligence does not
An insurer is not liable for a loss caused by the willful act of the insured, but the insurer is
not exonerated by the negligence of the insured or of the insured's agents or others.