Wyatt, an employee of expert arbor service, was pruning a tree in janelle's back yard when he incorrectly cut a large limb, sending it crashing down on her house. the limb broke a window and damaged her siding. this damage would be covered under:

This damage would be covered under "Premises and Operations liability".

Premises/operations coverage pays for real damage or property harm that happens on your premises or because of your business activities.

Liability coverage just connected if substantial damage or property harm emerged out of "the possession, support or utilization of the protected premises and all activities fundamental or accidental thereto." To have the pleasure of being a "safeguarded premises," the area must be assigned on the assertions for scope to apply.