J.S.U.B., Inc. v. U.S. Fire Insurance Company – What Does it Mean to You?

The Supreme Court of Florida recently issued its long awaited opinion in U.S. Fire Insurance vs. J.S.U.B., Inc. The Supreme Court held that a post-1986 standard form Commercial General Liability (“CGL”) policy, with products-completed operations coverage that is issued to a contractor, provides coverage where a claim is made against the contractor for damage to the completed project caused by a subcontractor’s defective work. While heralded by the commercial construction industry, this opinion may cause insurers to change the terms and conditions of future CGL policies to limit coverage.

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