Cracked steel columns are not “property damage,” but are building products that are not covered by a contractor’s general liability policy, the U.S. 7th Circuit Court of Appeals decided in an opinion that lets St. Paul and other insurers off the hook in a botched construction project at Chicago’s O’Hare International Airport.
While U.S. courts have often found that policy wording is ambiguous, in this case, the lower court and the appeals court concluded that a St. Paul Guardian Insurance Co. policy for a subcontractor was clear enough and limited coverage only to damage to