A roofing contractor finishes a job, leaves the site, and two months later the roof leaks and ruins $40,000 of the owner's ceilings. This claim falls within:
Explanation
Completed operations respond to bodily injury or property damage arising out of the insured's work after that work is finished and put to its intended use and the insured has left the site, which is exactly this leaking roof. Premises and operations answers injury while the job is still in progress or on premises the insured occupies. Losses charged to completed operations erode the separate products–completed operations aggregate, not the general aggregate.
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