Legal Definitions - own-work exclusion

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.