Answering a certified question of first impression, the Connecticut Supreme Court held that damage caused by a subcontractor's defective construction may constitute property damage under a commercial general liability policy. Capstone Building Corp., et al. v. Am. Motorists Ins. Co., 308 Conn. 760 (June 11, 2013). The case involved the construction of a student housing complex at the University of Connecticut ("UConn"). The contractor, Capstone, tendered a claim under UConn's owner-controlled insurance program ("OCIP") commercial general liability policy. The insurer denied coverage, asserting that the alleged defective construction was not an "accident" covered by the policy, and that the "your work" exclusion barred coverage. The Connecticut Supreme Court disagreed, holding that the negligent work of a sub-contractor is unintentional from the perspective of the contractor policyholder, and thus may constitute an "accident" within the policy's definition of "occurrence." Coverage is available where the construction defects cause damage to other non-defective property. The Court also held that the sub-contractor's work fell within an exception to the "your work" exclusion.