I know this is confusing to some of you so I'll try and explain it best I can. When you purchase a liability policy it will include Products/Completed Operations unless it is excluded... here is the definition of it that would be on the policy: Products/Completed Operations This coverage is used to insure against claims arising out of bodily injury and property damage that results from products you have sold, manufactured, handled, distributed or disposed of, or for work you have performed, provided the accident occurs away from premises you own or rent. I hope this helps some of you out... TeriM