Products & Completed Operations
Completed-operations coverage responds when a bedliner or coating you applied fails after the job is done — delaminating, peeling, bubbling, or failing to adhere — and the customer claims resulting damage. It's the coverage for the work after it leaves your bay.
Products & Completed Operations for Coating Shops
Your work doesn't end when the truck leaves the bay — and neither does your liability. Products-completed operations coverage responds to claims that a coating you applied failed after the job was finished: a bedliner that delaminates, blisters, peels, or fails to bond, allegedly causing damage or requiring costly redo and consequential loss.
What's Covered
- Adhesion & delamination failures: Coating that lifts or peels from the substrate
- Blistering & bubbling: Surface defects attributed to application or material
- Resulting damage: Rust, corrosion, or damage the customer claims followed the failure
- Defective-work liability: Third-party damage arising from the completed coating
- Legal defense: Attorney and expert costs to defend a workmanship claim
Why It Matters for Spray Coatings
Polyurethane and polyurea coatings are sensitive to surface prep, temperature, humidity, and mix ratios. Even a well-run shop can face an adhesion or cure-related claim months after the job. Completed operations is the part of your liability program that follows the finished work — and franchisors and warranty programs often expect you to carry meaningful limits.
How It Layers With GL
Completed operations is part of the general liability framework but is rated and tracked separately, with its own aggregate. We make sure your completed-operations aggregate is adequate for your job volume — because a single bad batch or prep failure can generate multiple claims.
What's Covered
Frequently Asked Questions
What is products-completed operations coverage?
It's the part of your liability program that responds after a job is finished — when a coating you applied later fails (peels, delaminates, blisters) and the customer claims damage. It covers defense costs and resulting third-party damage, separate from the work you're actively performing.
Doesn't my warranty handle a coating failure?
A workmanship warranty covers redoing the job, but it doesn't cover a liability claim if the failure caused other damage — rust, a ruined repaint, or a fleet vehicle out of service. Completed-operations liability responds to those third-party claims and the cost to defend them.