Products and Completed Operations (CGL, Coverage A)
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Founder, CFP®
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
Products and Completed Operations is part of the Commercial General Liability (CGL) policy related to commercial insurance.
Specifically, this is a bodily injury (BI) and property damage (PD) coverage in part A of the CGL.
Premises and operations liability is the other coverage in part A of the CGL, not discussed in this article.
Products and Completed Operations coverage insures a policyholder specifically against BI and PD claims for damages resulting from negligence associated with businesses that manufacture something or sell a tangible product or good.
It is important to note that these coverage types are in effect when a product leaves your premises.
Premises and operations liability covers your liability for damages that result on your property, before your goods are released.
Neither coverage type is extended to you or your employees. Employees are covered by workers compensation insurance.
Let’s look at an example of each.
Products Liability
Imagine you own a company that produces knives.
A certain type of knife you make is prone to breaking at the handle, causing people to severely cut themselves while using it.
This means your design was negligent, making you liable for bodily injury caused to people who purchased and used it.
Your products liability coverage would protect you against the ensuing lawsuits.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Completed Operations
Imagine you own a company that builds homes. You built a two-story home with a staircase to the second floor.
If someone were viewing the home for a potential purchase, and while walking up the stairs, grabbed the railing and it gave way, causing them to fall and break their hip, you would be responsible for the faulty construction.
You would be entirely liable for the resulting bodily injury.
Since the house was fully built, this would be considered a completed operation, and you would have coverage for the damages resulting from this claim.
There are two additional coverage types that make up a complete general liability policy. Part B, personal and advertising injury, and part C, medical payments to others.