Frank Martinez Thought He Was Fully Insured... The Policy Exclusion Proved Otherwise.
Most General Liability policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
"Build-It" Construction's "Your Work" Exclusion*
Frank Martinez's crew installed a new kitchen, but a slow leak from a faulty dishwasher installation damaged the new subfloor and cabinets. His General Liability (CGL) insurer agreed to pay $4,000 for collateral drywall damage but denied coverage for the $18,000 to replace the new cabinets and flooring. The reason: the “your work” exclusion.
Potential Denial (The Exclusion):
Most US CGL policies do not pay for damage to the insured contractor’s own completed work—even if the damage was caused by faulty installation.
Risk Identified by My Policy Advocate:
“Your Work” exclusion—a standard but poorly understood gap in US construction and contractors’ policies.
Policy Language:
“This insurance does not apply to: ‘property damage’ to ‘your work’ arising out of it or any part of it and included in the ‘products-completed operations hazard.’”
Discovery by Clara, our Ai Assistant:
Clara flags the “Your Work” and “Products-Completed Operations Hazard” exclusions, suggesting the need for endorsements like a 'Corrective Work' rider.
Questions to Ask Your Agent:
- Does my policy leave me exposed for faulty workmanship?
- Is there a ‘corrective work’ or errors and omissions endorsement I can add to close this gap?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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