BarbriSFCourseDetails

Course Details

This CLE course will discuss the scope of the CGL exclusions for property damage in construction claims and the applicability of products-completed operations hazard coverage. The panel will review how the courts apply the exclusion and best practices for formulating arguments for or against coverage for these claims, emphasizing various state approaches.

Faculty

Description

Property damage claims arising in construction cases present complex coverage issues. Courts are routinely called upon to decide whether claims arising from faulty construction and workmanship are covered or excluded from coverage by the CGL policy. Some states have held that such claims do not constitute an occurrence.

Court and state approaches vary. Some rely on exclusions in a CGL policy, primarily exclusion K, damage to the insured's product; others on exclusion L, damage to the insured's work; and others on exclusion M, damage to impaired property or property not physically injured.

Also often at issue is whether products-completed operations coverage includes bodily injury and property damage arising from the insured's products and work. Whether the work was done by the insured or a subcontractor is a factor in determining whether property damage is covered or excluded.

Listen as our authoritative panel of construction practitioners analyzes the CGL exclusions for property damage in construction cases, the applicability of products-completed operations hazard coverage, factors courts consider in determining whether property damage is covered, and formulating arguments for or against coverage for these claims.

Outline

  1. Property damage in general
    • CGL grant of coverage and definitions
    • The requirement of an occurrence
  2. Exclusion K
    • Damage to the insured's product
    • Applicability to construction cases
  3. Exclusion L
    • Damage to the insured's work
    • Products-completed operations hazard
  4. Exclusion M, damage to impaired property
  5. Work of subcontractors and exclusion CG 22 94

Benefits

The panel will review these and other high priority issues:

  • Factors the courts consider in determining whether property damage is covered
  • Exclusions K, L, and M in a CGL policy and what those exclusions encompass
  • The applicability of products-completed operations hazard coverage
  • Impact on coverage if a subcontractor causes faulty work