Insurance & LiensQuestion 1516 of 1605
The 'your work' exclusion common in CGL policies means the policy generally will NOT pay to:
a.Cover a bystander's bodily injury
b.Cover damage to a neighbor's property
c.Defend a third-party lawsuit
d.Repair or replace the insured contractor's own defective work
Explanation
The 'your work' exclusion bars coverage for repairing the insured's own faulty workmanship, treating it as a business risk rather than an insurable fortuity. Resulting damage to other property or persons may still be covered, subject to policy terms.
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Sen Lin, PrepPass Founder · Verified against California CSLB Contractor License Law & Business Exam · How we review
Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)