⚙️ Product & Completed Operations Liability for BC Manufacturers and Contractors 🏗️🇨🇦
In British Columbia, manufacturers and contractors face unique risks—not just during production or on-site work, but long after a project is completed or a product leaves the facility. That’s where Product & Completed Operations Liability coverage becomes essential.
🔧 What It Covers
- Product Liability: Protection against claims that a product you manufactured, distributed, or sold caused injury or property damage.
- Completed Operations: Coverage for liability arising from finished work—such as construction, installation, or repairs—that later results in damage or injury.
📌 Example Scenarios
- A defective machine part you manufactured causes damage at a customer’s site.
- A completed electrical installation later sparks a fire at a client’s property.
Both situations could expose your business to significant legal and financial consequences without this coverage in place.
❌ What It Doesn’t Cover
- The cost of repairing or redoing your own faulty work (which falls under warranties or errors).
- Intentional acts, contractual disputes, or damage to your own property.
✅ Why It Matters in BC
With strict safety regulations and rising litigation risks, BC manufacturers and contractors need this coverage to safeguard against claims that could threaten financial stability. It is often included within a Commercial General Liability (CGL) policy, but limits and conditions vary—making regular policy reviews critical.
👉 If you’re a manufacturer or contractor in BC, now is the time to confirm your coverage is strong enough to protect both your reputation and your bottom line.
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