The Importance of the Subcontractor Exception to the “Your Work” Exclusion

Pen resting on contract

CGL policies typically include a "your work" exclusion.

May 16, 2018
John J. Kozak, Esq. - Florida Construction Law News

Commercial General Liability (CGL) policies typically include a “your work” exclusion, excluding coverage for “’property damage’ to ‘your work’ arising out of it or any part of it and included in the ‘products-completed operations hazard.’” These CGL policies define “your work,” in pertinent part, as “work or operations performed by you or on your behalf.” (emphasis added). As the recent case of Mid-Continent Cas. Co. v. JWN Construction, Inc., 2018 U.S. Dist. LEXIS 20529 (S.D. Fla. 2018) reminds us, the “your work” exclusion can serve to eliminate coverage for a general contractor, even when property damage is caused by a subcontractor.

Mr. Kozak may be contacted at john.kozak@csklegal.com



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