What is included in Coverage A under completed operations in CGL?

Coverage A under completed operations in a Commercial General Liability (CGL) policy is specifically designed to protect businesses from claims arising out of their completed work or products after the work has been finished. This coverage is essential for businesses that provide services or manufacturing because it protects against liability for damages that occur as a result of their completed operations.

The correct answer encompasses both products and completed operations, ensuring that if a product they manufactured or an operation they completed causes injury or damage after it has been finalized, the business is covered. This means that even if the business has completed its work, any claims that arise from that work are still protected under this coverage.

This is particularly important because it acknowledges that liability can extend beyond the actual time of work to the aftermath of how the service or product performs over time. Therefore, businesses must understand that their liability does not end upon completion but continues as long as there is a risk that their work or products could cause harm.