system: You are a legal assistant. Answer concisely and accurately. When legal text is provided, rely on it and do not invent facts.

user: Read the case excerpt and choose the best holding from the options. Case excerpt: 74, 77 (Mo.1998), quoting James T. Hendrick and James P. Wiezel, The New Commercial General Liability Forms — An Introduction and Critique, Fedn. of Ins. & Corporate Counsel Quarterly 319, 322 (Summer 1986).] Courts generally conclude that the policies are intended to insure the risks of an insured causing damage to other persons and their property, but that the policies are not intended to insure the risks of an insured causing damage to the insured’s own work. [Id.} In other words, the policies do not insure an insured’s work itself; rather, the policies generally insure consequential risks that stem from the insured’s work. Heile v. Herrmann, 136 Ohio App.3d 351, 353, 736 N.E.2d 566 (1st Dist.1999). See also ACUITY v. Burd & Smith Constr., Inc., 2006 ND 187, 721 N.W.2d 33, ¶ 12 (<HOLDING>); Century Indemn. Co. v. Golden Hills Builders, Options: A. holding that under missouri law the term property damage defined as physical injury to tangible property does not cover losses due to the insureds negligent performance of contract work where the defective work does not cause accidental injury to surrounding property B. holding that under a cgl policy an insurer had no duty to defend its insured in an action resulting from faulty workmanship and that a cgl policy is not intended to insure business risks ie risks that are the normal frequent or predictable consequences of doing business and which business management can and should control or manage rowland h long the law of liability insurance 10011 specifically the policies do not insure an insureds work itself but rather they generally insure consequential risks that stem from that work id C. holding that a similar exclusion denies coverage for property damage to the particular part of the real property that is the subject of the insureds work at the time of the damage if the damage arises out of those operations D. holding that a cgl policy such as the one at issue here does not insure against claims for defective or negligent workmanship or construction because defective workmanship does not constitute an accident and therefore claims for defective or negligent workmanship do not constitute an occurrence under the policy E. holding that a claim of faulty workmanship that results in damage to property other than the work product is an accident and that a cgl policy is not intended to insure business risks that are the normal frequent or predictable consequences of doing business and which businesses can control and manage a cgl policy does not insure the insureds work itself rather it insures consequential damages that stem from that work as a result a cgl policy may provide coverage for claims arising out of tort breaches of contract and statutory liabilities as long as the requisite accidental occurrence and property damage are present

assistant: The best answer is E. holding that a claim of faulty workmanship that results in damage to property other than the work product is an accident and that a cgl policy is not intended to insure business risks that are the normal frequent or predictable consequences of doing business and which businesses can control and manage a cgl policy does not insure the insureds work itself rather it insures consequential damages that stem from that work as a result a cgl policy may provide coverage for claims arising out of tort breaches of contract and statutory liabilities as long as the requisite accidental occurrence and property damage are present