Exclusion: Damage to Your Work Performed by Subcontractors on Your Behalf (CG2294)

* Far reaching impact for builders since “your work” is entire house

* Faulty electrical work resulting in fire example

* Less severe versions offered by some insurance carriers

– Still exclude damage to faulty work itself

– Cover resulting damage to non faulty work

* CG2294 buyback may be available for additional premium charge (ex: 12% surcharge)

Exclusion CG2294 has a far reaching impact on builders. The reason is that a builders “work” is the entire house.