Does a CGL cover property damages to your own work?

A Commercial General Liability (CGL) policy is designed primarily to protect businesses from liability claims arising from third-party bodily injury and property damage. The key aspect here is understanding the coverage related to "your own work."

Typically, a CGL does not cover property damage to your own work. This is to prevent businesses from relying on liability insurance to cover their own operational risks and costs associated with their projects. If a subcontractor inadvertently causes damage to your own work, it may fall under a different provision. In this specific scenario, the CGL might cover the damage because it is related to a third-party's actions.

This is crucial in maintaining the purpose of insurance, which is to protect against unforeseen liabilities rather than to subsidize internal risks. Thus, understanding the limits of coverage is essential for policyholders to navigate their insurance effectively.