If the insured has a standard commercial general liability coverage form, it applies to the insured's operations, so the sample claims you ask about would be covered while the insured was dismantling a building. However, you would have to consider which exclusions might be applicable to the specific claim, whether there are any limiting endorsements attached to the policy, and whether the insurer would have a case for misrepresentations (or fraud) against the insured. And one more thing: the insurer does have the right to audit the insured's exposures and adjust the premium if necessary based on the audit information. This is usually done at the close of each audit period, but the right of the insurer to examine and audit the insured's books and records as they relate to the policy exists for up to three years after the policy period.