Snowplowing Claims and the CGL Form

Does the CGL form provide completed operations coverage for snowplowing claims? I always thought that there was coverage for a completed operations claim, but recently I was at a seminar and the instructor said that there was no coverage. I know that ISO now has an endorsement (CG 22 92, snow plowing operations coverage) that is applicable. But, what about the CGL form?

Ohio Subscriber

The problem with snow removal operations and the CGL form was found in exclusion (g). That exclusion applies to bodily injury or property damage arising out of the use of autos owned by or operated by the insured. And, since snow plows are usually attached to autos, that meant that coverage could be denied; this is especially true since the definition of mobile equipment in the CGL form states that self-propelled vehicles with permanently attached equipment like snow plows are considered autos.

So, to clear up any confusion, CG 22 92 states that when it comes to a completed operations claim based on snow plow operations, the auto exclusion does not apply. If the insured has any such exposure, the endorsement should be attached to the CGL form to clarify the coverage question.

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