Three claims disputes came to my attention recently that caused me to wonder about real property versus personal property. One claim involved underground cable; one involved street signs; and the last one involved windows.
In the first claim, the insured was hired to install modern underground cables. The job was completed, but when the insured went to pull out the old, outdated cable, the new one was struck and damaged. So, this begs the question: Is the new cable the named insured's product, which would then be subject to the “damage to your product” exclusion in the general liability policy?
There is no doubt that the cable was sold and handled by the insured and that fits the definition of “your product” in the liability policy. But, “your product” does not include real property. The legal definition of real property is “land, and generally whatever is erected or growing upon or affixed to land.”
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
