Products & Completed Operations Insurance
Products & completed operations covers claims arising after your work is done or your part is sold — a failed tune, a defective installed component, or a build that leads to engine damage or an accident down the road.
Products & Completed Operations for Tuner Shops
A tuner shop's liability doesn't end when the customer drives away — in many ways it's just beginning. An aggressive ECU tune, a turbo install, or a sold performance part can be blamed weeks or months later for an engine failure, a fire, or a crash. Products & completed operations is the coverage that responds to those claims.
What It Covers
- Completed operations: Claims that your finished work (a tune, a build, an installation) caused damage or injury after the job
- Products liability: Claims that a part you sold or installed was defective and caused harm
- Bodily injury and property damage arising from your products or completed work
- Defense costs for covered claims
The Tuner-Specific Exposure
This is one of the highest-risk areas for performance shops:
- A custom tune that leans out the mixture and melts a piston
- A turbo or fuel-system install blamed for an engine fire
- A suspension or brake component that fails on track
- A sold part alleged to have caused an accident
These claims surface after the car has left your bay — exactly what completed operations is built for.
Managing the Risk
Underwriters and your own defense both reward strong documentation:
- Written tuning disclaimers and customer sign-offs acknowledging modification risk
- Before/after dyno sheets and logged parameters
- Documented parts sourcing and installation records
- Clear "off-road/track-use only" labeling where applicable
Good records don't just lower your risk — they're what win a completed-operations claim.
What's Covered
Frequently Asked Questions
It's often packaged with GL, but limits and exclusions vary and tuning/parts exposure gets scrutinized. We make sure completed operations and products liability are explicitly covered with adequate limits for a performance shop.
Completed operations is designed for exactly that kind of post-job claim. Coverage depends on the policy terms and your documentation — which is why written disclaimers, dyno logs, and customer sign-offs matter so much.