What is the difference between general liability and completed operations insurance?

• A. General liability covers ongoing operations; Completed operations covers liabilities after project completion.
• B. General liability covers property damage; Completed operations covers environmental liabilities.
• C. General liability covers workers' compensation; Completed operations covers auto liability.
• D. General liability is optional; Completed operations is mandatory.

Answer: (A)

General liability covers injuries or property damage that happen during your ongoing painting work and day-to-day operations. Completed operations adds protection for claims that arise after the project is finished, due to your work or products. For a painter, that means if something goes wrong on the job site (like a spill causing damage during the work), general liability kicks in. If a defect in the finished paint job later causes damage or requires repairs after completion, completed operations would cover that claim. The other choices mix up timing or type of coverage—workers’ compensation and auto liability are separate lines, and environmental liabilities aren’t the core distinction here.