Excludes all coverage for work performed on single-family homes, townhouses, condominiums, or multi-family residential developments.
Subcontractors purchase cheaper commercial-only policies and show up on residential or mixed-use apartment job sites. In the event of a claim, the carrier immediately disclaims coverage citing the residential exclusion.
Audit exclusions list for words 'residential', 'habitational', 'condo', or 'tract homes'. Require residential buy-back rider.
This insurance does not apply to 'bodily injury' or 'property damage' arising out of, related to, or in connection with any operations involving any residential structure, condominium, co-op, or townhome.
Upload your ACORD 25 certificate or copy/paste policy endorsement schedules.
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