Products & Completed Operations
Completed operations is the coverage that defines fireproofing risk. It responds when the fire-resistive material or firestop system you installed is alleged to have failed — wrong thickness, poor adhesion, missed areas, or underperformance in a fire — a claim that can carry catastrophic stakes.
Products & Completed Operations for Fireproofing Contractors
Of every trade on a jobsite, fireproofing carries one of the highest-stakes completed-operations exposures there is: your work is a life-safety system, and it may not be tested until a real fire occurs — sometimes years after you finished. Products-completed operations coverage responds to claims that your installed fire protection failed to perform as required.
What's Covered
- Insufficient thickness or density: SFRM applied below the rated thickness for the assembly
- Adhesion & bond failure: Material that delaminates, cracks, or falls off the steel
- Missed or incomplete areas: Gaps in coverage that compromise the fire rating
- Firestop failures: Penetration or joint systems that don't hold their rating
- Underperformance in a fire: Allegations that the assembly failed during an actual event
- Legal defense: Attorney and expert costs to defend a workmanship or failure claim
Why the Tail Matters So Much
A fireproofing failure may not surface during construction or even during normal occupancy — it can emerge during a fire, an inspection, or a renovation years later. That long tail is why your completed-operations aggregate and the duration of coverage matter enormously, and why "claims-made gaps" or letting coverage lapse can leave you exposed for work performed long ago. We structure adequate limits and help you maintain continuous protection.
High-Stakes by Nature
Because fireproofing is a life-safety system, a failure claim can involve serious injury, large property loss, and multiple parties. Adequate completed-operations limits — backed by a commercial umbrella — are not optional for a serious fireproofing contractor.
What's Covered
Frequently Asked Questions
Why is completed operations so important for fireproofing?
Because fireproofing is a life-safety system that may not be tested until a real fire — sometimes years after you finish. Products-completed operations responds when your installed fire protection is alleged to have failed (wrong thickness, poor adhesion, missed areas, firestop failure). It's the highest-stakes coverage in the trade, and the long tail makes adequate limits and continuous coverage essential.
How long does my completed-operations exposure last?
Potentially for years. A fireproofing failure can surface during a fire, an inspection, or a future renovation long after the project closed out. That's why maintaining continuous coverage and an adequate completed-operations aggregate matters so much — a lapse can leave you exposed for work you performed years ago.