A concrete contractor's commercial general liability (CGL) insurance policy was required to cover construction defects from poor workmanship on a 12-acre concrete project. The insurance company tried to deny coverage using contractual liability, your-work, and your-product exclusions, but the Texas Court of Appeals ruled those exclusions did not apply. The court enforced the policy and required the insurer to indemnify the contractor. This matters because it protects subcontractors: your CGL policy should cover defect claims unless the exclusion language is crystal clear.
CGL policies cover construction defects from poor workmanship by default—exclusions must be explicit and unambiguous to deny coverage
Standard exclusions like 'your-work' and 'your-product' may not eliminate coverage for defects; courts interpret them narrowly in your favor