The insured is a package/shipping store. The store was hired to ship two items via UPS. The insured packaged the items and then shipped the items by UPS. Apparently, the items were damaged during the shipping process and a claim was made against the insured. The question is whether any exclusions on the CGL form would apply. Exclusion 2l, damage to your work, might apply since the insured's work was to package and ship the items; the claim is that the insured did not do this properly and that is what caused the damage. Or, is exclusion 2.j.(4), the care, custody, or control exclusion applicable?

What is your opinion?

Pennsylvania Subscriber