Commercial Umbrella Insurance
Does Umbrella Extend Over Completed Operations Coverage?
Yes — umbrella extends over your GL’s completed operations coverage. Claims from completed work that exhaust the GL completed operations limit are covered by the umbrella.
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Does commercial umbrella cover completed operations claims?
Completed operations claims — bodily injury or property damage arising from work after it’s finished — are a significant exposure for contractors. A defective roof installed 3 years ago that fails and causes $2M in water damage is a completed operations claim.
Your GL policy includes completed operations as part of the products-completed operations aggregate. When a completed operations claim exhausts that aggregate, your umbrella steps in for the excess.
This is why maintaining continuous umbrella coverage for several years after completing large projects matters — completed operations claims can surface long after the work is done, and the umbrella extends the same protection over those later-emerging claims.
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