Does General Liability Cover Completed Operations?

Products-completed operations is a standard CGL exposure category. Triple-I describes liability from business operations and products, while the ISO form defines the products-completed operations hazard and assigns it a separate aggregate limit in the specimen. Coverage is still subject to the insuring agreement and exclusions, including limitations on damage to your own work or product. A policy’s presence during the project alone may not answer which policy period responds to a later claim.

Construction contracts may require completed-operations additional-insured coverage for a stated period after handover. Check whether the quote includes the hazard, the separate aggregate, the definition of completed operations, and any endorsements affecting subcontracted work or particular project types. Confirm the required parties, duration, and limits against the issued endorsements and renewal dates; a certificate by itself does not create completed-operations coverage.