What is completed operations coverage and why do tower contractors need it?

Completed operations coverage is the part of your GL policy that responds to claims arising from work you have already finished and handed over. For tower contractors, this is critical because structural failures, improper antenna mounting, faulty cable connections, or inadequate weatherproofing may not manifest until months or years after project completion. Without completed operations coverage, your GL only covers claims that occur while you are actively working on the job. Once you demobilize, coverage ceases. Consider a scenario where a tower mount you installed fails eighteen months later during a wind event, dropping an antenna array onto a building below. That is a completed operations claim. Most turf vendor MSAs require completed operations coverage to be maintained for a specified period after project completion, often two to five years. Your GL policy must include products-completed operations in the general aggregate (or better, have a separate products-completed operations aggregate). When reviewing your policy, confirm that the completed operations coverage has the same limit as your premises-operations coverage and does not contain a sunset provision that terminates coverage prematurely.