Which endorsement is commonly added to extend coverage for products or completed operations?

• A. Additional Insured coverage only.
• B. Commercial property endorsement.
• C. Employer's liability endorsement.
• D. Completed Operations endorsement.

Answer: (D)

Extending protection for claims that arise after a product is sold or after construction is finished is accomplished with the Completed Operations endorsement. This endorsement adds or broadens coverage for bodily injury or property damage that results from the insured’s products or from work that has been completed, even if the claim is made after the project is closed or the policy period ends. It’s especially important for long-tail exposures where problems show up only after some time.

An Additional Insured provision simply adds other parties to the policy’s protections; it doesn’t extend the insured’s liability for products or completed operations. A Commercial Property endorsement changes the property coverage terms, limits, or perils. An Employer’s Liability endorsement relates to workers’ compensation liability and does not address products or the completed work exposure.