BOP Coverage and Property Damage Exclusions
We insure a distributor of metal brushes. The insured mistakenly sent a customer nickel coated brushes instead of stainless steel brushes. The customer installed the brushes into a machine and later realized the brushes were not stainless steel. The customer removed the brushes and tested the equipment for any damages or contamination from the nickel coating. No damages were found but the customer did incur loss of use of the equipment and expenses to remove the brushes and clean and test the equipment.
Under the terms of the BOP, would the your product exclusion or the recall exclusion or the impaired property exclusion apply?
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