XCU Exclusion
An exclusion for property damage from explosion, collapse or underground work. It appears on some contractor general liability policies, and many owners ask that it not apply.
What it means for your firm
Consulting engineers and architects usually carry general liability written for office and site-visit exposure, which often does not include this exclusion at all.
When a requirement says 'no XCU exclusion,' the answer is usually a confirmation from the insurer of what the policy does and does not contain. A certificate alone cannot show it.
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.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.