Insurance Law Lesson 59: Completed Ops

Standard CGL policies include the defined term “products completed operations hazard.” The PCOH includes products that the insured has completed work on, that the insured has abandoned its work on, or products that have been put to their intended use.

What varies is whether a policy includes coverage for damage falling within the PCOH.

This is frequently referred to as “completed operations” or “completed ops” coverage.

A policy may include no completed ops coverage at all. Some policies include coverage but with a separate limit. Usually such coverage is subject to a time limitation — the insurance company does not want to be “on the risk” indefinitely, years after the policyholder last touched the product.

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