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Accordingly, a consequential damages waiver will exclude any damages, other than direct damages, even if they are reasonably foreseeable because such damages are one or two links down the causal chain.
Insuranceopedia explains Direct Loss. Direct loss is differentiated from consequential loss and indirect loss. The latter two refer to damages or injuries caused not by the direct action of the insured but by some other event or factor following the action of the insured. To illustrate, office furniture lost during fire is a direct loss.