--- title: "Does General Liability Cover Completed Operations?" description: "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." canonical: "https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-completed-operations" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "general-liability" question: "does-general-liability-cover-completed-operations" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-completed-operations) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does General Liability Cover Completed Operations?" within the General Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does General Liability Cover Completed Operations? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [General Liability FAQ](https://thegeneralaverage.com/insurance-faq/general-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does General Liability Cover Construction Defects?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-construction-defects) — related question - [Does General Liability Cover Products and Product Liability?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-products-product-liability-and-defective-products) — related question - [Does General Liability Cover Subcontractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-subcontractors-and-independent-contractors) — related question - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) — related question - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) — related question - [General liability](https://thegeneralaverage.com/coverage/general-liability) — related coverage guide - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # 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. ## More Questions About General Liability Insurance - [Does General Liability Cover Construction Defects?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-construction-defects) - [Does General Liability Cover Products and Product Liability?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-products-product-liability-and-defective-products) - [Does General Liability Cover Subcontractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-subcontractors-and-independent-contractors) - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) ## Coverage Guides Related to General Liability Insurance - [General liability](https://thegeneralaverage.com/coverage/general-liability) - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 1. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25. 2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25. 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