General liability insurance includes products and completed operations coverage. These protections apply after a job is finished or after a product has left your control and is being used by a customer.
Completed operations coverage applies when finished work later causes property damage or bodily injury. If a plumber completes a repair and a month later a pipe connection fails and water damages a home, this coverage helps pay for resulting claims. It is not a warranty or quality guarantee. If the work has to be redone because it was not done correctly the first time, the cost to fix it is your responsibility, not an insurance loss.
Products liability coverage applies to businesses that manufacture, sell, distribute, or install products. If a product you make or sell causes an injury or damages property, products liability coverage helps protect you. For example, if a customer is injured by a defective kitchen gadget you sold, or a tool you manufactured causes a fire, this portion of general liability insurance helps handle the claim.
Neither completed operations nor products liability will pay to replace or repair the defective product or faulty work itself. They respond only when the defect or mistake causes separate damage or injury. They are designed to handle the financial impact of accidental harm, not to improve workmanship or guarantee product quality.
