A homeowner's claim arising from a defective product installed by a contractor relates to which liability exposure?

• A. Premises liability exposure
• B. Employer liability exposure
• C. Personal injury exposure
• D. Products-completed operations exposure

Answer: (D)

Products-completed operations exposure covers liability for damage or injury that arises after the contractor’s work has been completed, including defects in products the contractor installed as part of that work. When a homeowner claims damages due to a defective product installed by a contractor, the loss stems from the product as installed during the finished project, and the resulting harm occurs after the work is completed. That makes it a completed operations issue, not a premises condition on the insurer’s property, not an employer liability matter to employees, and not a personal injury claim like libel or invasion of privacy. So the claim fits best under products-completed operations exposure.