What are Products-Completed Operations?

Products-Completed Operations is coverage that protects your restaurant from liability for bodily injury or property damage that occurs away from your premises after you’ve completed service or delivered your product.

What You Need to Know

This covers claims like customers getting food poisoning after eating your takeout at home, or injuries caused by a catered meal after your staff has left the event venue.

Why It Matters for Restaurant Owners

Products-completed operations is included in standard general liability policies but has its own aggregate limit (often $2 million). It’s critical for restaurants with takeout, delivery, or catering operations since liability doesn’t end when food leaves your premises.

Delayed Claims:

Food poisoning claims often arise days after consumption, and catered events can generate claims weeks later—all fall under products-completed operations coverage.