Covers the cost of tearing out a contractor's bad work due to defects that
make its inclusion in the project unsafe. The normal method of providing this
coverage is by endorsement to the commercial general liability (CGL) policy.
(There is no standard endorsement for this purpose, but insurers active in
construction markets may have company-specific endorsements that add this
coverage back.) For coverage to apply, the work must fail to meet contractual
specifications or other industry standards that apply to the type of
construction into which the materials were incorporated. There is no coverage
with respect to defects that are purely cosmetic. A similar coverage,
contractors rework coverage, covers both the cost of tearing out bad work and
the cost of replacing it. The primary markets for rip and tear and contractors
rework coverage are concrete and masonry contractors.