“Your Product” and “Your Work” Exclusions in CGL Policies

The standard commercial general liability policy contains “work-product” exclusions. “These exclusions reflect the intent of the insurance industry to avoid the possibility that coverage under a CGL policy will be used to repair and replace the insured’s defective products and faulty workmanship.” McKenzie & Johnson, 15 La. Civil Law Treatise, Insurance Law and Practice, 3d, p.555.

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