Which of the following BEST describes how the ISO personal umbrella's intentional-acts exclusion is typically worded?

Why this is the answer

The ISO personal umbrella excludes 'bodily injury or property damage expected or intended by the insured,' applying a subjective standard focused on the insured's state of mind. A self-defense carve-back restores coverage when the insured uses reasonable force to protect persons or property. The exclusion is distinct from a criminal-acts exclusion: no criminal conviction is required, and because the exclusion applies even when the harm is of a different kind or degree than intended, a shove meant to hurt that causes a fatal fall stays excluded; only harm the insured neither expected nor intended is covered. See ISO DL 98 01 Expected or Intended Injury Exclusion.