Casualty & LiabilityQuestion 82 of 215

A general contractor finishes building a deck. Two months later, the deck collapses due to faulty workmanship and injures the homeowner. Which part of the contractor's CGL coverage would respond to the lawsuit?

a.Premises and Operations Liability
b.Personal Injury (Coverage B)
c.Medical Payments (Coverage C)
d.Products-Completed Operations Liability

Explanation

Products-Completed Operations covers bodily injury and property damage arising AFTER the contractor's work is finished and away from the contractor's premises. Once the deck was complete and the contractor had left the job site, any later injury caused by that work falls under the Products-Completed Operations Hazard. Premises and Operations applies to injuries occurring at the insured's location or during ongoing work.

Law Reference: ISO CGL – Products-Completed Operations Hazard

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