"Standard commercial policy" does not cover negligence by sub-contractor
This week the Court of Appeals overturned the trial judge's decison and granted summary disposition to Citizens and Secura Insurance Company. They had been sued by their insured, Envision Builders, Inc., who argued that they should cover damages to Envision's work caused by the negligence of a sub-contractor on a job site. The Court of Appeals ruled that the insurance policies did not cover damages to a building under construction resulting from a sub's failure to erect temporary truss bracing. The Court ruled that the policy language did not include this form of damage as a "covered occurrence" and if it did, an exlusion in the policy should apply.