The London Engineering Group’s LEG 3 exclusion—one of three standard form provisions issued by the London Engineering Group addressing coverage arising from construction or design defects—is an increasingly common defects exclusion found in Builder’s Risk and other policies covering projects under construction. LEG 3 is popular due to its reputation in the industry as providing the broadest form of cover available and excluding only “improvements.” Insureds typically accept additional premiums and/or higher deductibles in order to obtain this provision in their policies.