What does the CGL 'products-completed operations' coverage protect against?

Products-Completed Operations coverage under CGL Coverage A protects against liability claims arising after the insured's products are sold and out of their possession, or after the insured's work is completed. Two distinct exposures: (1) Products — manufactured or distributed items that cause injury or damage after sale (a defective ladder that collapses, contaminated food that makes someone sick); (2) Completed Operations — work performed by the insured that causes injury or damage after the work is complete and the insured has left the site (a contractor's faulty wiring that starts a fire months later). The 'aggregate limit' for products-completed operations is typically separate from the general aggregate, doubling the coverage available for these exposures. Critical for manufacturers, distributors, retailers, and contractors. Excluded from CGL: damage to the insured's own product or work; recall of defective products (requires separate product recall coverage).