# Completed operations

COI Journal, The COI Dictionary. Published by Forsured. Reference only, not legal or insurance advice.

Forms: CG 20 37

## Definition

Liability for injury or damage that shows up after a contractor's work is finished, such as a leak or a collapse months after turnover. For an additional insured, it usually needs its own endorsement.

## On the certificate

It rarely appears at all. The products-completed operations aggregate sits in the general liability limits, which says nothing about whether you are covered as an additional insured after completion.

## What to check

That a completed operations additional insured endorsement, such as CG 20 37, is attached, and how many years after completion your contract requires it to stay in force.

## The common gap

Ongoing operations coverage only. The project ends, the claim arrives later and the additional insured status ended with the work.

## Related

- [Additional insured (AI)](https://coijournal.com/dictionary/additional-insured/index.md)
- [Certificate of insurance (COI)](https://coijournal.com/dictionary/certificate-of-insurance/index.md)

Source page: https://coijournal.com/dictionary/completed-operations/