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.
Serving Utah and all 50 states. Based in Utah, we work with contractors and specialty trades statewide, from Logan and Ogden to Salt Lake City, Provo and St. George, and we place coverage for companies in all 50 states. We look at how your locations, people, property and contracts actually affect the coverage you need. Reach out for a no-pressure review of what you have today.
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.