In this video we're going to understand the difference between ongoing and completed operations when contractors are hired for a job they are required to show proof of insurance, and usually they have to name the individual hiring them as additional insured's on the commercial general liability policy CGL but why is this important because if someone gets hurt or if something breaks while performing work on-site or even if some type of damage is found after the work has been completed both contractors and individuals hiring them are covered but what does these terms ongoing and completed ops even mean let's go back to basics the dictionary defines ongoing as still in process and continuing operations that are ongoing refer to work not yet completed that makes us on the other hand completed operations refers to work that has been finished on the job site for a better understanding let's take a look at some examples imagine a property owner hiring an electrician to add an indoor light simple the electrician leaves his toolbox in the hallway while he's working an office employee trips on the toolbox Falls injures his knee that would be an example of bodily injury that resulted from ongoing operations of the electrician property damages may also be covered under the ongoing operations' coverage provision if the damage happens while the electrician is working on the job site what happens if bodily injury or property damage results from a contractor's work days are even years after the park has been completed it's a long time if the contractor has the owner of the property listed as an additional insured for complete operations then the owner of the property may have coverage under the contractors' policy now the most common additional insured endorsement for contractors is...
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