With no explanation, chose the best option from "A", "B", "C" or "D". test should be a subjective one, from the standpoint of the insured, and not an objective one asking whether the insured should have expected the resulting damage”) (quotation omitted); Farmers & Mechs. Mut. Ins. Co. of W. Va. v. Cook, 557 S.E.2d 801, 807 (W.Va. 2001) (“under the intentional [injury] exclusion, courts generally look to the subjective intent of the policyholder”). ¶ 18. In reaching this conclusion, courts have generally relied on the plain language of the standard exclusionary clause which, as here, typically bars coverage of an injury intended or expected by the insured rather than by a reasonable person in the position of the insured, together with the general principle that exclusions must be construed in favor of coverage. See, e.g., Walukiewicz, 966 A.2d at 680-81 (<HOLDING>); Brown, 814 S.W.2d at 279 (noting that the

A: 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
B: 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
C: holding as unambiguous under iowa law the insurance policys exclusion of coverage to any obligation of the insured to indemnify another because of damages arising out of  a bodily injury to any employee of the insured arising out of and in the course of his employment by the insured
D: 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
A.