Completed Operations Checklist

Business: ________________ Project: ________________ Contracting party: ________________ State: ________________ Contract date: ________________ Certificate due date: ________________ Policy number: ________________ Contact: ________________

• The contract names products-completed operations coverage or a products-completed operations aggregate.
• The policy declarations show a products-completed operations aggregate that meets the contract requirement.
• The per-occurrence limit and general aggregate limit match the contract requirement.
• The umbrella or excess policy includes products-completed operations when the contract requires limits above the general liability policy.
• The umbrella or excess wording has been reviewed for follow-form treatment over completed operations.
• The completed operations requirement applies for this project: ________________.

• The contract asks for completed operations additional insured status after project completion.
• The endorsement supplied is CG 20 37 or an equivalent completed operations additional insured endorsement.
• The endorsement edition matches the contract requirement, if the contract names an edition.
• The endorsement schedule names the required additional insured and lists the project location or completed operations description.
• Ongoing operations additional insured wording alone has not been used to satisfy a post-completion requirement.
• The endorsement wording has been checked for any limit language, including wording that caps payment at the lesser of the contract requirement or the policy limit.

• The contract has been checked for whether a certificate is enough or whether policy copies, declarations, endorsements, riders, or binders are required.
• The certificate holder name matches the contract.
• The additional insured name matches the contract.
• The certificate shows the policy dates and limits required by the contract.
• Years of completed operations coverage required after completion: ________
• Deductibles and exclusions are shown when the contract requires that information.
• Keep endorsement copies with the certificate package before sending it to ________________.

• The policy has been reviewed for exclusions that could affect this project, including residential work, subcontracted work, roofing, exterior insulation and finish systems, height limits, or the specific trade.
• Explosion, collapse, and underground work exclusions have been reviewed if the project includes excavation, trenching, demolition, shoring, utility work, or similar hazards.
• The contract has been checked for subcontractor flow-down requirements.
• Lower-tier subcontractors have been asked for certificates and additional insured endorsements when required.
• Written subcontracts require lower-tier subcontractors to carry completed operations coverage when the prime contract requires it.
• Completed operations coverage has not been treated as a workmanship warranty. Document any claimed bodily injury or damage to other property separately from the cost to redo faulty work.

Send these questions for review before the certificate package is submitted:

1. Does the current general liability policy include products-completed operations coverage for this project? 2. Does the products-completed operations aggregate meet the contract requirement? 3. Does the additional insured endorsement provide completed operations wording, such as CG 20 37 or equivalent wording? 4. Does the umbrella or excess policy apply over completed operations if the contract requires higher limits? 5. Do any exclusions affect ________________, subcontracted work, residential work, or explosion, collapse, and underground work? 6. Does ________________ require policy and endorsement copies in addition to a certificate?