Which statement best describes the role of Your Work in the CGL program?

Which statement best describes the role of Your Work in the CGL program?

• A. It defines risk; Your Work interacts with the Products-Completed Operations by providing protection after distribution of products or completion of work.
• B. It only pertains to on-site work
• C. It replaces the liability coverage
• D. It excludes any product liability

Answer: (A)

Your Work represents the liability risk from the insured’s own work and from work done by others on the insured’s behalf. In a CGL policy, this coverage interacts with the Products-Completed Operations hazard to provide protection for damage that occurs after the product has been distributed or the work has been completed. It extends coverage beyond the on-site phase to cover injuries or property damage that arise from the finished work once it’s out there. This is not limited to on-site activity, it doesn’t replace liability coverage, and it does not exclude product liability; instead, it supports coverage for the insured’s completed work within the broader Products-Completed Operations framework.

Your Work represents the liability risk from the insured’s own work and from work done by others on the insured’s behalf. In a CGL policy, this coverage interacts with the Products-Completed Operations hazard to provide protection for damage that occurs after the product has been distributed or the work has been completed. It extends coverage beyond the on-site phase to cover injuries or property damage that arise from the finished work once it’s out there. This is not limited to on-site activity, it doesn’t replace liability coverage, and it does not exclude product liability; instead, it supports coverage for the insured’s completed work within the broader Products-Completed Operations framework.