For construction risk, which CGL feature is most useful to cover the subcontractor's completed work?

• A. Product Recall
• B. Employee Practices Liability
• C. Personal Injury
• D. Completed Operations Hazard

Answer: (D)

The main idea is that the completed operations hazard in a commercial general liability (CGL) policy protects you for liability arising from work that has already been finished. In construction, subcontractors complete portions of the project, and problems can show up after the job is handed over. If a defect in that finished work causes property damage or bodily injury later on, the completed operations coverage steps in to cover those claims, even though the work is no longer being performed.

For example, if a subcontractor’s wiring is improperly installed and a fire results months after project completion, the claim is tied to the completed work, not to ongoing construction. That’s why this feature is particularly valuable in construction risk: it extends liability coverage beyond the moment the job ends to cover fallout from what was completed.

Product recall isn’t relevant to construction work, as it deals with defective manufactured products being recalled. Employee Practices Liability addresses workplace personnel issues, not defects in subcontracted construction work. Personal Injury coverage within a CGL covers non-physical torts like libel or advertising injury, not damage arising from completed construction. So the completed operations hazard best fits the need to cover the subcontractor’s completed work.