Editor's Note: The following has been contributed by Joseph Junfola, Assistant Secretary of Claims at Admiral Insurance, and creator of the “Cause and Effect: Managing the Construction Defect Claim” workshop series.

In Part 1 of this series, we defined a “construction defect” as a failure of the construction to perform in an intended or expected way because of a defective design, faulty workmanship, defects in building materials, and soil failures. We defined a “construction defect claim” as a claim for damages (i.e. money) because of this failure to perform.

In this second part of the series, let's examine whether faulty workmanship is an occurrence as defined in the commercial general liability (CGL) policy. It is important to remember that even if it is an occurrence, the faulty workmanship alleged may not be covered because of exclusions, or other policy provisions.