Products-Completed Operations
Definition. Products-Completed Operations covers claims that arise from products you sold or work you completed (after the sale/job).
Also known as: Products + Comp Ops, PCO
Critical for contractors, manufacturers, food service, and retail. Without this endorsement, a customer injured by a product months after purchase or by faulty work years after completion may not be covered. Most GL policies include this automatically — verify on the declarations page.
Example
A plumber installs a water heater. Six months later, a faulty installation causes flood damage. Products-Completed Operations pays the claim.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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