Alabama joins the list of states to redefine coverage for contractors under CGL policies in Owners Ins. Co. v. Jim Carr Homebuilders, 2014 WL 1270629 (March 28, 2014).  The Alabama Supreme Court determined that neither the “occurrence” definition nor the “your work” exclusion acted to bar coverage for a claim for indemnity filed by the insured homebuilder, where the homeowner alleged damages as a result of the faulty workmanship of the homebuilder.  Mississippi has also begun to look closely at commercial general liability policies where allegations of sub-contractor negligence are made.  Architex Ass’n, Inc. v. Scottsdale Ins. Co., 27 So. 3d 1148 (Miss. 2010). 

If you have questions about whether a particular general liability policy provides coverage for allegations of contractor or sub-contractor negligence, call us for assistance at 662-844-2137.