Completed-Operations Coverage for residential remodeling contractors
Completed-operations coverage extends your GL protection to cover claims arising after a remodeling project is done — water intrusion from improperly installed showers, structural defects in additions, and other latent defects that surface months or years after project completion.
What it covers
- Water intrusion claims from shower, tub, or wet area installations
- Structural defect claims from addition or framing work
- Latent plumbing failures causing water damage after project completion
- Waterproofing failures in bathroom and kitchen renovation projects
- Defense costs for completed-ops claims
- Claims arising across the applicable statute of limitations period
Who it's for
- Kitchen and bath remodelers with wet-area installation exposure
- Addition contractors with structural completed-ops exposure
- Remodelers whose GL has an inadequate completed-ops tail or aggregate
- Contractors concerned about long-tail liability from prior-year projects
Why CCA
- Completed-ops coverage sized for your project volume and types
- Occurrence-based structure so prior-year work remains covered
- Tail that doesn't lapse when you renew — continuity of coverage is built in
Common questions about completed-operations coverage
The exposure period depends on your state's statute of limitations for property damage claims — typically 2–6 years from project completion. Your GL needs occurrence-based completed-ops coverage that covers claims filed during this period even if the policy has since renewed.
Wet-area installations — showers, tubs, wet bars, kitchen sink areas — are the most common source of completed-ops claims for remodelers. Water is patient: a small waterproofing gap doesn't cause visible damage until the next time it rains hard, which can be months after installation.
Completed-operations is a component of general liability — not a separate policy. The key is how it's structured within your GL: the limit, the aggregate, and whether it's occurrence-based or claims-made.
Cost is driven by crew size, payroll, revenue, project types, states worked, and loss history. We quote your actual operation in about 15 minutes.
Yes. Contractors Choice Agency is licensed in all 50 states and writes residential remodeling programs nationwide.
Typically 15 minutes on a call. Larger or multi-state programs may take a day or two, but we move fast.
Often yes. We have admitted and E&S markets for contractors with prior completed-ops claims, high-value project exposure, or other issues.
Usually yes. A coordinated program closes gaps and is typically cheaper and cleaner than separate policies — especially at claim time.
A.M. Best ratings reflect a carrier's financial strength. We place coverage with A-rated carriers so the money is there when a completed-ops claim, injury, or CPL claim hits.
Yes — if structured correctly. Completed-ops GL covers claims arising after renovation is done, like water intrusion from a shower installation or a waterproofing failure.
Remodeling involves multiple trade codes — carpentry, drywall, tile, and others. Correct classification for your actual crew mix is critical for accurate workers' comp rating and avoiding audit surprises.
Yes. CPL (contractors pollution liability) covers bodily injury and property damage from lead paint and asbestos disturbed during renovation work — exposures that standard GL excludes.
Yes — inland marine follows your crew to job sites, in transit, and in storage. Standard commercial property doesn't cover tools off-premises.
You should require subs to carry their own GL and workers' comp and provide certificates. Your GL covers your operations — sub exposures need to be addressed in the policy structure.
Yes — especially on high-value projects or when GCs require higher combined limits on certificates. An umbrella provides those limits cost-effectively.
Yes. We coordinate GL and CPL so there's no gap between operations coverage and pollution coverage — critical for remodelers working in homes built before 1980.
Yes. We write programs for new remodeling businesses — helping you get the GL and workers' comp needed for licensing and certificate compliance from day one.
Pair it with related coverage
Ready to protect your remodeling business?
Get a 15-minute quote from specialists who understand residential remodeling — completed operations, crew workers' comp, lead and asbestos exposure, and the tools your crews depend on.