or property damage claim[s] due to defective workmanship or materials may be shifted by the contractor purchasing a comprehensive general liability insurance policy. ... However, in addition to and apart from those risks, the contractor likewise has a contractual business risk that he may be liable to the owner resulting from failure to properly complete the building project itself in a manner so as to not cause damage to it. This risk is one the general contractor effectively controls and one which the insurer does not assume because it has no effective control over those risks and cannot establish predictable and affordable insurance rates. Id. at 81-82 (quoting Knutson Constr. Co. v. St. Paul Fire a onstr. Inc. v. Charter Oak Fire Ins. Co., 307 F.3d 1127, 1134-35 (9th. Cir.2002) (<HOLDING>). D. Other Issues The insurers also claim that
holding that j5 exclusion did not bar coverage for claim against insured by third party arising out of insureds damage to third partys property holding that a similar exclusion denies coverage for property damage to the particular part of the real property that is the subject of the insureds work at the time of the damage if the damage arises out of those operations holding that your work exclusion is triggered only where the damage at issue is to work performed by you and is caused by work performed by you  and does not apply to damage caused to original construction of a house during later repair work holding that j5 exclusion did not bar coverage for damage to subcontractors work because damage did not arise from insureds performing operations on subcontractors work holding that the unambiguous terms of the your work exclusion do not eliminate coverage for harm done to a subcontractors work