Under CGL, Completed Operations coverage typically responds to which scenario?

• A. Injuries to employees on site.
• B. BI/PD arising from the insured's product, after sale.
• C. Advertising injury caused by the insured's ads.
• D. Damage to the insured's own auto.

Answer: (B)

Completed Operations coverage in a CGL policy covers liability for bodily injury or property damage that occurs after the insured’s work is finished or after a product has been sold, due to that work or product. If the insured’s product causes BI/PD after it has left the seller and been put into use, that risk is exactly what completed operations protects. In this scenario, the harm arises from the product after sale, which fits this coverage. Injuries to employees on site are typically covered by workers’ compensation rather than CGL completed operations. Advertising injury is handled under the Personal and Advertising Injury portion, not completed operations. Damage to the insured’s own auto falls under auto coverage, not CGL.