In the case at hand, a contractor that was hired to build new piers for a house accidentally allowed the house to fall off the piers resulting in $26,000 in damages.

The Connecticut Superior Court ruled that the business risk exclusion is applicable to deny coverage.  This exclusion, which is Exclusion L under the ISO General Liability form reads “Property damage to “your work” arising out of it or any part of it and included in the “products-completed operations” hazard.

The purpose of this exclusion is to give the contractors incentive to be careful while performing operations.  In this case, the court reasoned that the entire home was being directly worked upon.

Source:  http://www.insurancejournal.com/news/east/2010/01/21/106738.htm

In the case at hand, a NJ plumber was injured in an auto accident while driving to take a coffee break, with the permission of his employer.  He was injured while driving a company vehicle.  The plumber’s appointment was late, and as a result, he had some time to kill.

The New Jersey Division of Workers’ Compensation rule that the serious injuries were compensable since the accident arose in the course of employment as opposed to being a personal errand.

In my opinion, this case is a “stretch” and exemplifies that most Workers’ Compensation Commissions will go to great lengths to allow benefits.

 Source:  http://www.insurancejournal.com/news/east/2010/01/25/106840.htm