Contractor Insurance And Risk Management Blog » exclusion L http://www.contractor-insure.com/blog Where Home Builders And Trade Contractors Turn For Advice! Wed, 28 Dec 2011 13:23:39 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 General Liability Claim for Toppled House Denied http://www.contractor-insure.com/blog/index.php/2010/02/general-liability-claim-for-toppled-house-denied/ http://www.contractor-insure.com/blog/index.php/2010/02/general-liability-claim-for-toppled-house-denied/#comments Wed, 17 Feb 2010 14:12:31 +0000 admin http://www.contractor-insure.com/blog/?p=363 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

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