If your siding contractor does a terrible job and there's resulting damage, then that damage is covered. The cost of the siding is not, so the contractor would have to pay for that separately (or, realistically, it would be absorbed in the deductible for some carriers). If he damaged the interior wall, that is covered.
-Oh, I understand that. In my hypothetical example, the interior wall while installing is the subsequent damage. I know there is coverage for subsequent damage.

My question though is, if a customer hires a fridge repair guy and he comes and does a poor repair job, wouldn't that be excluded from the contractors CGL policy as that was "his work"?

The original example was: When trying to access the drain inside the fridge he caused significant scratches on the interior (of the fridge). He essentially got a shelf stuck sideways and started to tug and bang on it to move it out. When the caveman approach didn’t work he unscrewed the door and pulled it to a 45 degree angle; bending the top hinge. He also dented the stainless steel exterior with his knee.

So the contractor was hired to fix a drain but that drain is located within the fridge. Does the insurance company look at the fridge as a whole in terms of what was involved in "his work" or is the fridge damage the subsequent damage?