Subcontractor Exception
Part of the your work exclusion in many general liability forms that can restore coverage when the damaged work was performed on your behalf by a subcontractor.
What it means for your firm
It matters most to design-build firms and contractors that use subcontractors. Some policies delete it by endorsement, which can narrow coverage for construction defect claims.
Ask your agent whether your policy keeps the exception.
Guides that use it
Articles that explain it
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
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