Real Property and the Your Product Exclusion

April 13, 2015

Our insured was hired to perform construction work for a customer, and as part of the work metal light boxes, which were part of the fixture heads, were to be installed on exterior light poles in the customer's parking lot. Our insured hired a subcontractor, who supplied all the materials and labor for all the work. Years later, some of the light boxes fell apart and they were found to have been defectively made but not defectively installed. The customer is making a claim for the cost of replacing all of the defective fixtures, both the ones that fell apart and the ones that had not yet fallen apart.