8.10 Products

• Jurisdiction: Arizona

? Products-Completed Operations Exclusion

In brewer v. Home insurance co.,^[424] gary brewer was injured when a large metal trash pipe collapsed. The pipe was designed and manufactured by the insured. Brewer filed suit claiming that the insured negligently failed to provide adequate installation advice or negligently failed to warn of the need for bracing of the product while being installed. The insured sought coverage under their general liability insurance policy. The insurer denied coverage based on the argument that the "products hazard" and "completed operations hazard" exclusions contained within the policy.^[425]

The Arizona Court of Appeals in Brewer held for the insurer that coverage was precluded because of the "products hazard" and "completed operations hazard." The court stated that "the purpose of the products hazard exclusion is to exempt products liability claims made against the...