Opinion ID: 182501
Heading Depth: 2
Heading Rank: 2

Heading: The CGL policies

Text: The two CGL policies at issue in this case are standard in the industry and identical in most respects. The CGL policies require Mid-Continent to pay those sums that the insured becomes legally obligated to pay as damages because of . . . `property damage,' and to defend VRV against any lawsuit seeking such damages. The property damage must, however, be caused by an occurrence during the policy period. Property damage means: (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 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 means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. Property damage that occurs during the policy period includes any continuation, change or resumption of that . . . `property damage' after the end of the policy period. Notwithstanding Mid-Continent's general obligation to cover property damage that occurs during the policy period, the CGL policies at issue in this case do not cover property damage to work performed by VRV or its subcontractors. Specifically, exclusion ( l ) to the CGL policies precludes coverage for `[p]roperty damage' to `your work' arising out of it or any part of it and included in the `products-completed operations hazard.' [5] Your work means, inter alia, [w]ork or operations performed by you or on your behalf. The [p]roducts-completed operations hazard means any property damage occurring away from premises you own or rent and arising out of . . . `your work' except . . . [w]ork that has not yet been completed or abandoned. Additionally, to the extent property damage is not included in the products-completed operations hazard, exclusion (j)(6) to the CGL policies precludes coverage for damage to [t]hat particular part of any property that must be restored, repaired or replaced because `your work' was incorrectly performed on it.