Completed Operations Insurance

Completed Operations for Manufacturers

When your product ships, your liability doesn't end — in many ways the clock just starts. Completed operations coverage (the "products-completed operations" portion of your liability program) responds to claims arising from your finished products after they're in the customer's hands.

What It Covers

• Post-sale product claims: Harm that surfaces after the product is in use
• Long-tail exposure: Claims that appear months or years after manufacture
• Failures in the field: A finished product that fails during normal use
• Defense costs for covered claims

Why Long-Tail Risk Matters for Manufacturers

A defect doesn't always show up immediately. A material fatigues, a component degrades, a tolerance proves too tight under real-world use — and a claim arrives long after the unit left your line. Completed operations is designed for exactly this delayed exposure, where the manufacture date and the claim date can be years apart.

Getting the Limit Right

Products-completed operations usually carries its own aggregate limit within your liability program. Manufacturers often under-buy here, not realizing how much exposure sits in products already sold. We size this limit to your production volume, product life, and distribution.

Occurrence vs. Claims-Made

Most manufacturing liability is written on an occurrence basis, meaning the policy in force when the harm occurred responds — even if the claim is filed years later. We confirm your form and, where coverage changes, address tail/prior-acts so older products stay protected.

Part of a Complete Program

Completed operations works alongside product liability (the defect claim), recall (the withdrawal cost), and general liability (premises and operations) to form a manufacturer's full liability picture.