Louisiana P&C Adjuster Practice Exam

What type of liability coverage would assist William with a client injury from a completed porch construction?

1. General Liability Insurance

2. Completed Operations Liability

3. Product Liability Insurance

4. Professional Liability Insurance

The correct answer is: Completed Operations Liability

The appropriate type of liability coverage for William in this scenario is completed operations liability. This form of insurance is specifically designed to cover claims arising from bodily injury or property damage that occur after a construction project has been completed. It protects the insured against lawsuits and claims that may arise from the work that was performed, even after the project is finished. In this situation, since the injury occurred as a result of a completed porch construction, completed operations liability would respond to the claim made by the client. This coverage is crucial for contractors, as it addresses risks associated with defects or injuries related to past work, including any injuries potentially caused by issues related to the porch's construction. The other types of coverage mentioned have their specific applications; general liability insurance provides broader protection against various liabilities, including premises and operations, but may not specifically focus on completed work. Product liability insurance is relevant in cases where a product sold causes injury or damage, which does not apply here as the scenario concerns construction work, not a product. Professional liability insurance is designed for professionals providing services rather than construction-related activities. Thus, completed operations liability is indeed the most fitting choice for William's situation.