Insurance — CGL policies — coverage

Listen to this article

Wisconsin Court of Appeals

Civil

Insurance — CGL policies — coverage

A CGL policy does not provide coverage for a claim that the insured performed a contract in an unworkmanlike manner.

“[A] plain reading of the policy reveals that it merely recognizes two types of property damage and personal injury risks—those arising from property or operations under the insured’s control, and those arising from products or work over which the insured has relinquished control—and provides separate limits of coverage for each type of risk. The fact that the insured pays a separate (substantially discounted) premium for the (apparently diminished) risk of liability associated with products or work for which it has relinquished control does not dictate that the risk magically becomes a separate coverage grant with its own insuring agreement and set of exclusions. Rather, the products—completed operations hazard is plainly a component of Coverage A., which insures for bodily injury and property damage liability.”

Affirmed.

Recommended for publication in the official reports.

2011AP2544 Pamperin Rentals II, LLC, v. R.G. Hendricks & Sons Construction Inc.

Dist. III, Brown County, Zuidmulder, J., Hoover, J.

Attorneys: For Appellant: Schmidt, T. Wickham, Green Bay; Goehre, Kurt A., Green Bay; For Respondent: Tyndall, Susan R., Waukesha