Which statement best describes the Products-Completed Operations Hazard?

• A. It covers bodily injury or property damage arising from products after the product leaves the insured's control or project completion.
• B. It covers injuries to employees during the project.
• C. It covers only contractual disputes.
• D. It provides coverage for intentional acts.

Answer: (A)

The key idea is that the Products-Completed Operations Hazard provides liability coverage for damage that happens after a product has left the insured’s control or after a project has been completed. It covers bodily injury or property damage that arises from those products or from the insured’s completed work once they’re out in the real world.

This description fits the statement that describes bodily injury or property damage arising from products after the product leaves the insured’s control or after project completion. It captures both major post-production and post-completion exposures: injuries or damages caused by a product once it’s in someone else’s hands, and injuries or damages caused by work that has been completed.

It’s important to distinguish what it does not cover: injuries to employees are typically handled by workers’ compensation or employer’s liability, not this hazard; contractual disputes fall outside this coverage; and intentional acts are excluded. So the chosen description best describes the coverage scope for products that leave control and for completed work, after the fact. For example, a defect that causes harm after sale is covered under the products aspect, while a fault in completed remodeling that causes damage later falls under the completed operations aspect.