In the last few years, insurance carriers are regularly adding the CG 22 94 endorsements to the commercial general liability policy to exclude losses arising out of subcontractor-caused damage to a contractor’s work. The theory behind the CG 22 94 endorsements is that the damage caused by a subcontractor’s work should be the responsibility of the General Contractor as a business loss and not a loss covered by the General Contractors General Liability Insurance Policy.