"An Act of God" refers to natural events that are beyond human control, such as earthquakes, floods, or hurricanes. These occurrences are often sudden and can cause significant damage to property and loss of life. In legal terms, they may absolve individuals or organizations from liability for damages caused by such events. In insurance, "An Act of God" is a common clause that can affect coverage. Policies may exclude or limit claims related to these natural disasters, emphasizing the unpredictable nature of such events. Understanding this concept is crucial for both consumers and businesses when assessing risk and liability.