There has been a large increase in the amount of questions received recently by FC&S concerning the damage to property and damage to your work exclusions on the commercial general liability (CGL) coverage form. These exclusions come into play when an insured performs work on a customer’s property and that work is then judged to be faulty, causing the customer to make a claim for property damage against the insured. The exclusions are applied to prevent the CGL form from guaranteeing the work of the insured; that is, to prevent the CGL form from providing liability coverage for the insured for the costs of replacing and repairing defective materials or poor workmanship. Such damage is a business risk that the insured must bear himself.

However, the exclusions that would prevent coverage for damage to the insured’s work are written in such a way that insureds and claim adjusters alike often have problems understanding the correct application. The standard damage to property exclusions on the ISO CGL form read as follows:

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.