‘Your Work’ Exclusion Bars Coverage for Concrete Floor Replacement, N.D. High Court Rules

BISMARCK, N.D. — The North Dakota Supreme Court ruled that property damage caused by faulty workmanship is a covered “occurrence” under a CGL policy to the extent the faulty workmanship causes bodily injury or property damage to property other than the insured’s defective work product.

In a Feb. 18 opinion, the court reversed in-part a trial court’s determination that the subject policy covered replacement of a concrete floor because that damage was caused by the insured’s faulty work.

In 2013, Larry Pavlicek hired a contractor to construct a steel building on his property. JRC Construction installed the concrete floor and …