Which coverage addresses completed work performed by subcontractors?

• A. Insured Contracts
• B. Completed Operations Hazard
• C. Waiver of Subrogation
• D. Additional Insured

Answer: (B)

The key idea is liability for damage that happens after the work has been finished. Completed Operations Hazard in a Commercial General Liability policy covers bodily injury or property damage that results from the insured’s completed work, including work done by subcontractors that the insured is responsible for. Once the project is finished and turned over, if a defect or problem from that work causes damage later, this coverage steps in to respond to the claim. This is why it’s the best fit for completed work performed by subcontractors—the protection follows the finished project, not just the work in progress.

Insured Contracts relates to liability the insured assumes by contract, not the ongoing protection for completed work. Waiver of Subrogation is about waiving the insurer’s right to recover from others after paying a claim, not about what is covered. Additional Insured status adds another party to the policy, which broadens who is protected but doesn’t specifically address coverage for completed work.