Opinion ID: 2719979
Heading Depth: 4
Heading Rank: 2

Heading: This insurance applies to “bodily in-

Text: jury” and “property damages” only if:
damage” is caused by an “occur- rence” …; and
damage” occurs during the policy period. “Property Damage” encompasses a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time 4 No. 12-1821 of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the “occurrence” that caused it. An “occurrence” is defined in the policies as “an accident, including continuous or repeated exposure to substantially the same general harmful conditions.” Neither policy defines what constitutes an “accident.” The policies contain three exclusions that are relevant to this matter. First, the policies exclude property damage to “that particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the ‘property damage’ arises out of those operations.” Another exclusion takes out of the scope of coverage property damage to “that particular part of any property that must be restored, repaired or replaced because ‘your work’ was incorrectly performed on it.” Lastly, both policies contain an endorsement entitled “Exclusion—Products-Completed Operations Hazard.” As the name may suggest, this endorsement provides that “[t]his insurance does not apply to ‘bodily injury’ or ‘property damage’ included within the ‘products-completed operations hazard,’” a term that is structured slightly differently in the two policies, despite reflecting identical content. Both policies define that the exclusion encompasses “all ‘bodily injury’ and ‘property damage’ occurring away from premises you own or rent and arising out of ‘your product’ or ‘your work’ except: (1) Products that are still in your No. 12-1821 5 physical possession; or (2) Work that has not yet been completed or abandoned.” Relatedly, the policies provide that “Your work” will be deemed completed at the ear- liest of the following times: (1) When all of the work called for in your contract has been completed, (2) When all of the work to be done at the site has been completed if your contract calls for work at more than one site, or
job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. In addition, the policies state that “[w]ork that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed.”