Products & Completed Operations Coverage protects your business from liability claims that arise after a product is sold or a service has been completed. As a core component of General Liability Insurance, this coverage applies when bodily injury or property damage occurs outside your control, long after delivery, installation, or project completion.
If a product malfunctions, a component fails, or completed work later causes damage or injury, your business could face expensive lawsuits even months or years later. Products & Completed Operations Coverage helps pay for legal defense costs, settlements, and court judgments, ensuring one delayed claim doesn’t jeopardize your financial stability.
This protection is essential for contractors, manufacturers, installers, wholesalers, distributors, and product-based businesses that face long-tail liability exposure beyond the job site or point of sale.
This coverage typically protects your business from:
Injuries caused by defective or malfunctioning products
Property damage resulting from completed construction or installation
Claims alleging faulty workmanship after project completion
Legal defense costs related to post-completion liability claims
It applies whether the claim arises weeks, months, or years after the product or service is delivered.
his coverage is critical for businesses such as:
General contractors and subcontractors
Manufacturers and fabricators
Installers and service technicians
Wholesalers and distributors
Retailers selling physical products
If your business creates, installs, repairs, or sells anything that could cause harm after completion, this coverage is essential.
We ensure your business remains protected long after projects are finished or products are delivered.
From construction and manufacturing to retail and installation, we tailor coverage to real-world risks.
We manage investigations, legal defense, settlements, and claim resolution to minimize disruption.
We structure policies to meet client, licensing, and contractual insurance requirements.
It protects your business from claims of property damage or bodily injury caused by products you sell or work you’ve completed once it’s out of your possession or control.
General Liability covers incidents that occur during ongoing operations, while Products & Completed Operations covers losses that happen after the job or sale is complete.
It’s vital for manufacturers, contractors, installers, and repair services, as they face post-completion liability risks.
Yes. It pays for attorney fees, settlements, and court judgments related to covered product or completed work claims.
It does not cover the cost of repairing or replacing your own defective work or product, only resulting damages caused to others.
Yes. Many contracts, construction projects, and vendor agreements require proof of this coverage to ensure continued liability protection.
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