Question

A plasterer has finished a job. What kind of liability coverage would protect him if the plaster falls and hurts someone because he did not do the job correctly?

1) Medical payments
2) Products
3) Professional errors and omissions
4) Completed operations

Answer 1

The correct liability coverage for the described situation is Completed Operations, which protects against damages after a contractor's work is done, like plaster falling due to incorrect application.

Step-by-step explanation:

The type of liability coverage that would protect a plasterer if the plaster falls and hurts someone due to incorrect application is Completed Operations. This insurance covers a contractor's liability for property damage or injuries to a third party once contracted operations cease. For instance, if a plasterer finishes a job and later on, the plaster falls and injures someone because the job was not done correctly, completed operations coverage would step in to cover the resulting damages and medical claims.

Discussing liability in various sectors, such as medical or manufacturing, raises questions about the responsible parties when following flawed procedures or using defective equipment. Hospitals or health-care workers may be held liable if they strictly follow a flawed procedure that results in harm, depending on the circumstances and legal standards applied. Manufacturers might face liability if their products, such as lifesaving medical equipment, fail or are found defective. The government plays a role in regulating standards to ensure equipment and protocols in the medical field are safe and dependable.