What is Products-Completed Operations?
Products-completed operations coverage handles claims for bodily injury or property damage that happen away from your premises after a product has left your hands or a job is finished. For sellers, it is the part of liability coverage that responds once a customer already has and is using the product.
Why it matters for sellers
Almost every product-injury claim is a completed-operations claim, because the harm happens after the sale, at the customer's home. Make sure your policy includes products-completed operations, not just premises liability.
Example
A candle you shipped last month starts a fire in the buyer's home; completed-operations coverage responds.
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Questions
Is completed operations included in product liability?+
Product liability and completed operations are closely linked and usually written together as 'products-completed operations' within a general liability policy.
Definition based on Insurance Information Institute and IRMI Glossary of Insurance & Risk Management Terms. Reviewed 2026-07-01. This is general information, not insurance advice.