A recent case in British Columbia—Acciona Infrastructure Canada Inc. v. Allianz Global Risks US Insurance Company et al, 2014 BCSC 1568 (Acciona)—is an important decision for the construction and insurance industry, as it interprets a standard exclusion clause for the first time. It also clarifies the requirement of an unexpected or unintended loss and the definition of ‘damage’ under a course of construction (COC) policy.