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.
Willful act exonerates insurer, negligence does not
N.D.C.C. § 26.1-32-04 — under Loss and Notice of Loss.
N.D.C.C. § 26.1-32-04