Amerisure Mutual Insurance Company v. Amelia Island Company

TJOFLAT, Circuit Judge:

This insurance coverage dispute requires us to determine, under Florida law, what constitutes “property damage” under a post-1986 standard form commercial general liability (“CGL”) policy with products-completed operations hazard (“PCOH”) coverage. Specifically, we must decide whether such a policy issued to a general contractor provides coverage when a claim is made against the contractor for damage to the part of the completed project performed by a subcontractor, but not to any other project component, caused by a subcontractor’s defective work.

The district court,…