How to Check Completed Operations Coverage
Completed operations review has several parts. A certificate can show a products-completed operations aggregate, but that number alone does not establish additional insured status for completed work or satisfy every post-completion contract duty.
Identify what the agreement requires
Record the coverage, insured parties, operations and required period after completion. Distinguish maintaining insurance from providing evidence, and identify who monitors continuing obligations. Avoid assuming that project handover automatically ends the review process.
Use the contract and relevant policy language to frame questions for the broker. New York OGS insurance terminology provides context, but does not replace interpretation of the actual documents for your project.
Read the certificate limit in context
The products-completed operations aggregate is a policy-limit field. It is not a statement that your company qualifies as additional insured for every completed-work claim. Check the relevant policy period, insured business, operations and applicable terms.
If the contract requires completed operations additional insured evidence, request the appropriate documents and review their scope. Ongoing operations evidence may serve a different purpose. See the additional insured verification guide.
A hypothetical roof project
A reroof is complete and the certificate shows a products-completed operations aggregate. The owner’s agreement also requires specific post-completion additional insured protection. The reviewer checks that requirement against the supplied policy evidence rather than treating the aggregate number as the whole answer.
Plan the post-completion handoff
At closeout, identify the person responsible for future evidence requests and retention. Keep work dates, completion dates, policy periods and endorsements linked to the relevant subcontractor. If the policy renews during the required period, determine what evidence the agreement calls for and how changes will be reviewed.
The closeout checklist helps capture these tasks. A calendar entry can support follow-up but should not be mistaken for confirmation that the policy remains in force.
Escalate uncertain wording
Different policies, endorsement editions and exclusions can lead to different results. Refer unresolved questions to the appropriate broker, insurer or legal reviewer before making a coverage assertion. Certy can store a certificate and extract the shown limit; it does not determine whether a particular future claim falls within completed operations coverage.
Frequently asked questions
Does the completed operations aggregate make me additional insured?
No. A limit field is different from a grant of insured status. Review the relevant policy provisions and endorsements.
Should I stop tracking the vendor at handover?
Follow the agreement’s continuing insurance and evidence duties, then apply your approved retention and closeout process.