What does "your work" include in an insurance context?

In the insurance context, "your work" encompasses all operations conducted by you or on your behalf. This broad definition is crucial because it reflects the totality of responsibilities and activities that an individual or organization undertakes in the course of their business operations. This includes not only the core tasks directly related to the finished products but also encompasses ancillary activities and processes that are integral to completing those tasks.

By defining "your work" in such an expansive manner, insurance coverage can appropriately address various potential liabilities that may arise from all aspects of the business operations. For instance, if an issue arises from a task that may not seem directly related to a final product—such as administrative duties or quality control measures—it is still covered under the broader interpretation of "your work."

In contrast, focusing solely on activities related to finished products, outsourced work performed by independent contractors, or general business operations not linked to specific tasks would limit the scope of coverage. This could leave gaps in protection and expose the insured to liabilities that they might otherwise expect their policy to cover. Thus, the comprehensive approach of including all operations conducted by you or on your behalf ensures robust protection and alignment with the realities of business activities.