INSURANCE EXPERT WITNESS / INSURANCE CONSULTANT

Product (and Completed Operations) Liability Insurance

Premises & Operations Liability is liability arising due to the ongoing operations of a business, or during work on a construction project. Product (and Completed Operations) Liability is exposure to liability lawsuits incurred by an entity for injuries occurring after their product is sold, or after a construction project or installation is completed.

Rising steadily since the 1970’s, Product Liability lawsuits peaked in 2004, with moderate downward trending for 2005 and 2006. Has tort reform started to work? Is this only a temporary downturn? Will the Class Action Fairness Act of 2005 (CAFA) have long term impact? Nobody really knows.

However, manufacturers, distributors, and installers can be held liable years after selling or installing their product. Contractors have been held liable decades after completing work (i.e. Completed Operations Liability) on a building, pipeline, sewer system, or other construction project.

We have experience in structuring Product and Completed Operations Liability with claims made and occurrence insurance forms insurance policies. We are familiar with coverage limitations for an additional insured and peculiarities of additional insured endorsements under Product Liability Insurance.

We have experience writing Product Liability Insurance for a wide variety of Manufacturers, Distributors, Installers, and Contractors. A partial list includes: