Which statement best describes Your Product vs Your Work?

• A. Your Product is services offered by the insured.
• B. Your Product refers to goods manufactured, sold, or distributed; Your Work refers to services or construction performed by the insured.
• C. Your Product refers to completed operations; Your Work is advertising activities by the insured.
• D. Your Product is the insured's advertising; Your Work is the insured's marketing efforts.

Answer: (B)

The important idea is distinguishing liability for what the insured produces from liability for the services they perform. Your Product covers goods that the insured manufactures, sells, or distributes (including components or ingredients). If a defect in those goods causes harm, that claim falls under Your Product. Your Work covers the services or construction the insured performs; if that work causes damage or injury, including after the work is completed (completed operations), it falls under Your Work.

So, if a faulty product you made injures someone, it’s Your Product. If a repair, installation, or construction project you performed later causes damage, it’s Your Work. This is why the statement that Your Product refers to goods manufactured, sold, or distributed, while Your Work refers to services or construction performed by the insured, best fits the concept.