Completed Operations Insurance
What is Completed Operations Insurance?
Completed Operations Insurance covers bodily injury and property damage that occurs after you have finished your work and delivered the product to the end user.
This coverage is typically included in your CGL policy and extends protection beyond your facility to cover claims arising from products in the marketplace.
Why it Matters for Manufacturers
Your liability does not end when the product leaves your loading dock—it often just begins. If a component fails six months after delivery and causes injury or damage, you need protection.
Completed Operations coverage is essential for manufacturers because most product liability claims occur after delivery, installation, or use by the customer.
Without this coverage, you are exposed to potentially catastrophic liability from products that are already in customers’ hands, which could include thousands or millions of units.
Completed Operations Coverage Checklist
Ensure you have adequate protection for products in the marketplace
Coverage Verification
Product Documentation
Claims Management Readiness
Risk Management Practices
Critical Warning: Claims can surface years after product delivery. Ensure your completed operations aggregate limit accounts for your total cumulative production volume in the marketplace, not just current year output.
Pro Tip: Maintain detailed records for at least 10 years after product delivery. In product liability claims, documentation of your quality control and safety processes can be your strongest defense.