Is completed operations a separate policy?
Usually it is part of CGL products-completed operations coverage, though forms and exclusions matter.
Completed Operations for Contractors
Finishing the job does not finish the liability exposure. A fire, leak, structural failure or other alleged defect may not appear until months or years after project completion.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Long-tail claimsLosses can occur well after crews leave the site.
Occurrence timingThe timing of injury or damage can determine which policy year may respond.
Contract requirementsOwners may require completed-operations additional insured protection for a stated period.
LimitsLarge projects can create severity that makes umbrella/excess limits important.
Common Questions
Questions worth answering before renewal.
How long does exposure last?
Legal limitation/repose periods vary by jurisdiction and contract; coverage continuity matters.
Can faulty work itself be covered?
CGL is not a warranty. Coverage often turns on resulting bodily injury/property damage, exclusions and the specific facts.
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Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.