Just because the work is done doesn’t mean your coverage is.

In this season finale of Scandals: Insurance Uncovered, Amy and Theresa dig into the messy, misunderstood world of completed operations coverage — and why the most dangerous endorsements don’t show up until long after the project ends.

From wrap-up tail coverage to exclusions J and L, this episode pulls back the curtain on how “completed” work can still trigger very active liability. Plus, the story of a retired contractor, a forgotten policy, and a six-figure payout that nearly disappeared.

In this episode, you’ll learn:

• What the Products-Completed Operations (PCO) Hazard really covers
• The difference between a PCO hazard and a PCO extension
• Why wrap-up tails are only as strong as your excess carrier language
• How exclusions J(6) and L draw the line between covered and denied
• When punch list and warranty work can blow up your completed ops assumptions

Season 1 may be wrapping up, but this episode is just the beginning of the conversations we need to have aboutcoverage that lingers long after the job is done.

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Resources from this Episode:

Products-Completed Operations Cheat Sheet

A quick reference guide to completed ops basics

This one-page summary breaks down what the PCO hazard actually covers, how it differs from a PCO extension, and where it shows up in exclusions, limits, and endorsements. Perfect for internal training or a compliance refresh.

Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/Scandals%20PCOs%20Cheat%20Sheet.pdf

SDV Law Whitepaper: The Products-Completed Operations Hazard & Wrap-Up Insurance

Understanding coverage for warranty work under wrap-ups

This in-depth whitepaper from SDV Law explores how bodily injury claims during warranty work should be handled under a wrap-up policy. Includes real-world hypotheticals, policy language breakdowns, and key reminders about PCO hazardextensions and repair work endorsements.

Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/2015.03.PCO%20Hazard%20&%20Wrap%20Insurance%20Whitepaper.pdf

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

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Facebook: ⁠⁠facebook.com/scandalspod⁠

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Connect with our hosts: Theresa Guertin & Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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