Completed Operations Aggregate
The maximum total amount a commercial general liability policy will pay for all claims arising from the insured's completed work or products during the policy period.
The completed operations aggregate is separate from the general aggregate and specifically caps liability for claims arising after work has been completed and handed over. This is distinct from the general aggregate, which covers ongoing operations claims. Both aggregates function independently, each with its own ceiling.
In COI compliance for construction and property management, the completed operations aggregate is critical. Defective workmanship, faulty installations, or construction defects often manifest long after a contractor finishes their scope. The completed operations aggregate ensures coverage remains available for these delayed claims.
Compliance teams should verify that certificates show adequate completed operations aggregates, typically matching or exceeding the general aggregate requirement. Some contracts require coverage to extend for specific periods after project completion. Monitoring that vendors maintain completed operations coverage beyond the active work period is essential for comprehensive compliance management.
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