{"id":903535,"date":"2024-11-06T15:13:40","date_gmt":"2024-11-06T22:13:40","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903535"},"modified":"2024-11-06T15:13:42","modified_gmt":"2024-11-06T22:13:42","slug":"cgl-policy-professional-services-exclusion-for-injuries","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-professional-services-exclusion-for-injuries\/","title":{"rendered":"Professional Services Exclusion in GL Policy Issued to Property Inspector Barred Claims for Injuries Resulting from Inspector\u2019s Failure to Replace Floor Panel"},"content":{"rendered":"\n<p>David Fagnilli | <a href=\"https:\/\/marshalldennehey.com\/articles\/professional-services-exclusion-gl-policy-issued-property-inspector-barred-claims-injuries\">Marshall Dennehey<\/a><\/p>\n\n\n\n<p>The plaintiff was a real estate agent who was injured when she fell through an open inspection panel in the floor of a bathroom at a house that she had listed. She sued the property inspector who had been there before her, alleging that he had opened the floor to perform his inspection and failed to replace the covering, resulting in her injuries. The property inspector\u2019s insurer, Frankenmuth, moved to intervene, arguing that the <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/cannonball-cgl-policy-cover-pool-contractor-subcontractors-negligence\/\">CGL policy<\/a> they issued to the property inspector did not provide coverage for this incident. Frankenmuth relied on the Professional Services Exclusion.\u00a0<\/p>\n\n\n\n<p>Frankenmuth\u2019s insured argued that inspection services were not professional services; that the alleged incident did not result from professional services because the alleged failure to replace the floor covering was a route manual and physical process; and that if the court enforced the exclusion, it would render the coverage illusory and, therefore, the exclusion should be unenforceable.&nbsp;<\/p>\n\n\n\n<p>The trial court granted summary judgment in favor of Frankenmuth, finding no coverage due to the Professional Services Exclusion. The Court of Appeals affirmed.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Fagnilli | Marshall Dennehey The plaintiff was a real estate agent who was injured when she fell through an open inspection panel in the floor of a bathroom at a house that she had listed. She sued the property inspector who had been there before her, alleging that he had opened the floor to&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-professional-services-exclusion-for-injuries\/\">Continue reading <span class=\"screen-reader-text\">Professional Services Exclusion in GL Policy Issued to Property Inspector Barred Claims for Injuries Resulting from Inspector\u2019s Failure to Replace Floor Panel<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10791,30],"tags":[9895,270,22],"class_list":["post-903535","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-general-liability-policy","tag-advise-consult","tag-cgl-insurance-policy","tag-insurance","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Professional Services Exclusion in GL Policy Issued to Property Inspector Barred Claims for Injuries Resulting from Inspector\u2019s Failure to Replace Floor Panel - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"arguing that the CGL policy they issued to the property inspector did not provide coverage for this incident\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-professional-services-exclusion-for-injuries\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Professional Services Exclusion in GL Policy Issued to Property Inspector Barred Claims for Injuries Resulting from Inspector\u2019s Failure to Replace Floor Panel - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"arguing that the CGL policy they issued to the property inspector did not provide coverage for this incident\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-professional-services-exclusion-for-injuries\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; 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