In Natl. Eng. & Contracting Co. v. United States Fid. & Guar. Co., Franklin App. No. 03AP-435, 2004 Ohio 2503, the Court acknowledged that several Ohio appellate courts have concluded that commercial general liability policies with similar coverage language do not insure against claims for defective or negligent workmanship or construction because such claims do not constitute an "occurrence." Id. at P17. The rationale is that such policies "are intended to insure the risks of an insured causing damage to other persons and their property, not to insure the risks of an insured causing damage to the insured's own work." Id.