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Insurance Coverage Q&A: When the Wood Chipper Won't Chop Wood

When the employee works on the wood chipper and it subsequently fails to operate, is there coverage?

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I am looking for some direction to see if the insurer is correct in their assessment that they will not pay for a situation where a wood chipper type machine was worked on by an employee who changed out the teeth on the machine – claiming mechanical breakdown exclusion. I need to find some assessment that the insurer is correct or if there are similar situations or even case law. Anything would be appreciated.

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