What triggers coverage under the products and completed operations liability portion of a CGL?

Coverage under the products and completed operations liability portion of a Commercial General Liability (CGL) policy is triggered when injuries or damages occur as a result of using a product that the insured has manufactured, sold, or distributed. This type of coverage specifically addresses scenarios where the product itself causes harm to a third party or their property after it has left the possession of the insured.

The focus here is on the end-use of the product and the consequences that arise from that use when it leads to bodily injury or property damage. This direct link between the product and the injury sustained by the user is what activates the coverage. Therefore, any injuries that occur while a consumer is using the product are covered under this liability insurance.