The Zurich American policy included a “Limitation of Coverage to Designated Premises, Project or Operations” endorsement, which restricts coverage to bodily injury that occurs at a scheduled location or arises out of a scheduled project. Separately, a “Construction Operations Exclusion” endorsement bars coverage for injuries arising out of construction work, defined in the policy to include “the construction, renovation, rehabilitation, demolition, excavation, roofing, structural façade work or remediation of any building, property or structure.”
