White Paper

6 Pages
  • 6 Pages

Exclusions Typically Involved in Construction Claims


Gain insight on several different exclusions.

In the construction context, there are numerous exclusions that have a significant impact on the coverage available under a CGL policy. Generally, CGL policies exclude from coverage: property damage to the insured’s product and/or property damage to work performed by or on behalf of the insured; damage to property in the care, custody, and control of the insured; damage after completion of the building; and design defect. This white paper reviews the insured’s work exclusion; the care, custody, and control exclusion; and the completed operations exclusion. Subrogation will also be discussed.



Michael Jay Rune, II

Michael Jay Rune, II

Carlton Fields, P.A.

  • Shareholder with Carlton Fields
  • More than 25 years of experience representing owner/developers, contractors, sureties, subcontractors, and suppliers in nearly all aspects of the construction industry and large-scale commercial construction projects
  • Has handled construction, surety, fidelity, and related insurance matters as well as mortgage fraud recovery through mediation, arbitration, and litigation in state and federal courts and mediates commercial and construction matters in Florida
  • Has represented clients in crane, scaffolding, and structural collapse cases
  • Known for his hard-hat approach to construction, spending time at construction sites and working with project managers and construction workers to gain firsthand knowledge of the construction industry and what goes on in the field
  • Published author and frequent speaker on issues important to the construction and fidelity industries
  • Recognized by Lorman Education Services for his above-benchmark customer course ratings and received the 2017 Platinum Distinguished Faculty Badge
  • Author of the International Association of Defense Counsel’s Annual Survey of Fidelity and Surety Law (1997–2004), and co-author of Liability and Performance Bond Surety in The Law of Performance Bonds (ABA 1999)
  • Board certified in construction law by The Florida Bar and a Supreme Court of Florida Certified Circuit Civil Mediator
  • J.D. degree, Samford University Cumberland School of Law; B.A. degree, cum laude, University of Texas at Austin

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