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Simple English definitions for legal terms
own-work exclusion
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A quick definition of own-work exclusion:
An own-work exclusion is a rule in some insurance policies that says the insurance company won't pay for damage to something that the insured person made or did. For example, if a carpenter builds a deck and it collapses, the insurance company won't cover the cost of fixing it. This is because the carpenter is responsible for their own work. The own-work exclusion is meant to encourage people to do their jobs well and take responsibility for their work.A more thorough explanation:
Definition: A provision in some commercial general liability policies that excludes coverage for damage to the work or services performed by the insured.
Example: A construction company purchases a commercial general liability policy that includes an own-work exclusion. If the company accidentally damages a building they are working on, the policy will not cover the cost of repairing the damage.
This example illustrates how the own-work exclusion works. The policy only covers damage to property that is not owned or performed by the insured. In this case, the construction company is the insured and the building they are working on is their own work. Therefore, the policy will not cover any damage caused to the building by the construction company.