A homeowner is injured by a light fixture installed by a contractor. This exposure illustrates which liability exposure?

• A. Premises liability exposure
• B. Product liability exposure
• C. Products-completed operations exposure
• D. Contractual liability exposure

Answer: (C)

Focusing on a contractor’s liability, the key idea is what happens after the job is finished. The homeowner’s injury comes from a light fixture that the contractor installed. Once the installation is complete, any subsequent harm linked to that work or the installed product falls under completed operations exposure. This coverage protects against bodily injury or property damage that arises after the contractor has completed the project, due to the work or materials used in that work.

Premises liability covers injuries caused by dangerous conditions on the insured’s own property, which isn’t the situation here. Product liability would apply to injuries caused by a product the insured manufactures or sells; here the issue is the installer’s work and the installed fixture after completion, not the act of selling the product itself. So the scenario best fits completed operations exposure.