The standard CGL policy includes a “your work” exclusion stating that the insurance does not apply to property damage to “your work” arising out of or in any part of it and included in the products completed operations hazard. This exclusion prevents a general liability policy from becoming a performance bond by excluding the insured’s work. There is an exception to the exclusion when the work was performed by a subcontractor. Over the years, this exception to the “your work” exclusion has become one of the leading ways to find coverage for construction defects.
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