Completed operations liability covers damages arising from which scenario?

Completed operations liability covers damages arising from which scenario?

• A. Ongoing work performed on-site
• B. A product defect that causes harm during use
• C. A service performed under a contract before completion
• D. Damage or injury that arises after the insured's work is completed

Answer: (D)

Completed operations liability covers claims for damage or injury that arise from the insured’s work after that work has been completed and handed over. The key idea is timing: the exposure shows up only once the project is finished. For example, if faulty construction or installation leads to damage months after completion, that claim would fall under completed operations. Ongoing work on-site describes work still in progress, so it falls outside completed operations. A service performed under a contract before completion is also still part of the project while it’s being done, not completed operations. A product defect causing harm during use relates to product liability rather than the completed work itself.

Completed operations liability covers claims for damage or injury that arise from the insured’s work after that work has been completed and handed over. The key idea is timing: the exposure shows up only once the project is finished. For example, if faulty construction or installation leads to damage months after completion, that claim would fall under completed operations.

Ongoing work on-site describes work still in progress, so it falls outside completed operations. A service performed under a contract before completion is also still part of the project while it’s being done, not completed operations. A product defect causing harm during use relates to product liability rather than the completed work itself.