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With some limited exceptions, the Commercial General Liability (CGL) policy doesn’t cover a contractor’s business risks as damage to the named insured’s work, or products or to impaired property.

Some insurers do provide limited coverage to contractors for their liability having to do with damage to their work, to products they may install, or to impaired property. Because there is no shortage of claims dealing with liability emanating from construction work, the insurers willing to provide this limited coverage typically limit their target marketing to trade contractors — electricians, plumbers, and heating and air conditioning contractors — when the exposures are not catastrophic.

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