Business Risk Doctrine and the CGL Form

Q

Our insured is a contractor and we have tried to explain to him the coverages and exclusions that appear on his CGL form. When we discussed exclusion l. (damage to your work exclusion), we told him that the reasoning behind this exclusion was the business risk doctrine. When our insured asked us to explain just what this doctrine meant and how it applied to coverage under a general liability policy, we were not too sure of our explanation.

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