Does General Liability Cover Completed Operations?
Yes. Standard general liability covers injury or damage your finished work causes after handover, under a separate completed-operations limit, but not the cost of fixing your own work.
Yes. The standard general liability form covers bodily injury and property damage that your finished work or products cause after you've handed them over. These claims fall under the products-completed operations hazard, which has its own aggregate limit separate from your general aggregate.
The policy won't pay to repair or replace your own faulty work. That exclusion doesn't apply when a subcontractor performed the damaged work or the work that caused the damage.
Coverage applies to injury or damage that happens during the policy period, so a claim from a job you finished years ago falls on the policy in force when the damage occurred. Keep coverage continuous, and check each quote for completed-operations exclusions.
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