Includes copyrighted material of Insurance Services Office, Inc., with its permission.

  Summary: Products and completed operations insurance can be seen as one element of the broader overall scope of general liability coverage that includes premises and ongoing operations, insured contracts, and the acts of independent contractors. However, products and completed operations is such a distinct element of coverage and such an area of concern for those who deal with commercial liability insurance, that an overview of the subject itself seems warranted.

Products-completed operations coverage is offered through the use of CG 00 37 04 13 and CG 00 38 04 13; CG 00 37 is the occurrence form and CG 00 38 is the claims-made version. (Note that both of these forms are likely to get limited usage because the standard commercial general liability form (CG 00 01) automatically includes both products coverage and completed operations coverage. Where CG 00 37 and CG 00 38 are likely to be useful is when insurers are reluctant to write products and/or completed operations coverage with the CGL form.)