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Insurance coverage on a job site depends on what was actually damaged. If your defective work causes injury to a person or damage to other property, that portion of the claim is covered. The work you performed incorrectly is not covered, even though it caused the loss. In this example, the broken vase would be paid for, but the cabinet would not. This rule applies the same way under general liability, OCIP, and CIP policies. #ConstructionInsurance #GeneralLiability #RiskManagement #ContractorEdu
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