Products and Completed Operations Hazard Defined

We have been looking at the definition of products-completed operation hazard in the CGL form and we have a question about part 2c; this deals with that part of the work done at a job site having been put to its intended use. Do you have an example that will clarify this part of the definition?

Michigan Subscriber

An example of this part of the definition would be if the named insured is building a multi-office complex. There are to be perhaps ten occupants in the building. The named insured contractor finishes all the work in one of the office areas while still working on the other areas. The occupant of the finished office moves in and starts its daily operations.

This finished part of the building complex is considered within the products-completed operations hazard definition. The other parts that the insured is still working on are not completed and do not come within the meaning of the definition. So, there is a distinction made between the one area that has been put to use by the intended occupant and the other areas that the insured or subcontractors are still working on.

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