Insurance Defense and Coverage
Coverage Types
This coverage part responds to bodily injury and property damage occurring away from premises the insured owns, arising out of the insured's product or completed work. It carries its own aggregate limit separate from the general aggregate.
Work is generally considered completed when put to its intended use.
Alternative Names:
Products-Completed Operations Hazard, PCOH
Why it Matters?
The separate aggregate is what makes this coverage significant for manufacturers and contractors, since product and completed operations claims do not erode the general aggregate available for premises exposures. In construction, whether damage arose from ongoing or completed operations determines which coverage part responds and affects additional insured obligations, since many endorsements cover ongoing operations only.
Frequently Confused with
Related terms
Frequently asked questions
When is work considered completed?
Why does the separate aggregate matter?
