Understanding the “Your Work” Exclusion in General Liability Insurance
Most standard commercial general liability policies contain a “Damage to Your Work” exclusion. It is one of the least understood provisions in the form, and for kitchen exhaust cleaning contractors it decides the outcome of a large share of claims. In policy terms, the exclusion applies to property damage to completed work when that damage […]
General Liability Insurance for Kitchen Exhaust Cleaners: The Basics
Commercial kitchen exhaust cleaning is a specialized trade with an unusual risk profile. Contractors work around cooking appliances, live electrical components, rooftops, exhaust fans, ductwork, heavy grease deposits, water, and caustic chemicals, often after hours and inside somebody else’s building. An accident on that job can damage expensive property or injure someone on site. Commercial […]
Kitchen Exhaust Cleaning Insurance: The Coverages That Matter Just as Much as General Liability
A serious kitchen exhaust cleaning claim rarely arrives with one simple allegation. Following a restaurant fire, a claimant might argue that the system was inadequately cleaned, that an inaccessible section was never documented, that the service report was misleading, or that chemicals and greasy wastewater caused additional damage. Several different coverages may become relevant to […]