or damage will follow from his or her conduct regardless of his or her desire.” 16 E. Holmes, Holmes’ Appleman on Insurance 2d § 118.2, at 437-38 (2000) (emphasis added). ¶ 17. Out-of-state cases interpreting the exclusion to the same effect are also widespread and numerous. See, e.g., Jackson v. State Farm Fire & Cas. Co., 661 So. 2d 232, 233 (Ala. 1995) (reaffirming rule that “a purely subjective standard governs the determination of whether the insured expected or intended the injury”) (quotation omitted); Armstrong World Indus., Inc. v. Aetna Cas. & Sur. Co., 52 Cal. Rptr. 2d 690, 719 (Ct. App. 1996) (rejecting an “objective (should have known) standard” in favor of what the insured “actually knew or believed”); Vermont Mut. Ins. Co. v. Walukiewicz, 966 A.2d 672, 681 (Conn. 2009) (<HOLDING>); Meridian Ins. Co. v. Zepeda, 734 N.E.2d 1126,
holding that where policies exclude coverage for injuries that are intended or expected the exclusion is applicable if the insured acts with the intent or expectation that bodily injury will result even though the bodily injury that does result is different either in character or magnitude from the injury that was intended holding that the standard policy exclusion of injuries expected or intended by the insured refers only to bodily injury that the insured in fact subjectively wanted intended to be a result of his conduct or in fact subjectively foresaw as practically certain expected to be a result of his conduct holding that the inclusion of the phrase by the insured indicates that its application is triggered when the insured subjectively expects or intends that bodily injury will occur and not merely when an ordinary reasonable person would be able to foresee injury occurring as a result of his acts holding a personal profit exclusion applicable to an insured corporation where the purpose of the exclusion was to exclude coverage when the insured received profits to which the insured was not legally entitled holding that the exclusion is triggered when the insured subjectively expects or intends that bodily injury will occur