The appellant contractor scratched approximately 180 windows while performing cleaning services at a newly constructed commercial building and reimbursed the building owner about $134,000 for the damage.
It sought indemnification under its commercial general liability policy, but the insurer denied coverage relying on “your work” exclusions.
The motion judge granted summary judgment dismissing the action.
The Court of Appeal held that the occurrence causing the property damage was the scratching of the windows during the cleaning operation and that the damage arose out of the insured’s work.
Because the property damage fell squarely within the policy’s exclusions, coverage was properly denied and the appeal was dismissed.
