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Your standard HO policy will not include coverage for damage done by
Learning Processes
The methods and mechanisms through which individuals acquire new knowledge, skills, attitudes, or values.
70-20-10 Model
A learning and development framework suggesting that individuals obtain 70% of their knowledge from job-related experiences, 20% from interactions with others, and 10% from formal educational events.
On-The-Job Experiences
On-The-Job Experiences involve learning and acquiring skills directly within the workplace through performing job-related tasks rather than through formal educational programs.
Formal Learning Activities
Structured educational experiences that are designed and delivered by professional institutions or organizations to achieve specific learning outcomes.
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