Work on third-party property

Damage to the object being worked on needs specific cover review.

For trades, installation, repair and service work, losses often occur precisely to the property on which the work is being performed.

Direct work

Standard wordings may exclude or limit damage to parts directly being worked on. The exact terms are decisive.

Property taken into custody, used, moved or stored can also be subject to specific exclusions or sublimits.

The cost of correcting defective own work must be distinguished from damage to other property and genuine consequential losses.

The more directly a business works on third-party property, the more important suitable extensions and an accurate description of activities become.