Which commercial general liability coverage could assist Wendy after she gets injured from a failing floorboard in an addition she hired Jim to build?

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In this scenario, Completed Operations Liability is the most relevant coverage option for Wendy following her injury from a failing floorboard in the addition built by Jim. Completed Operations Liability is designed to provide coverage for bodily injury or property damage that occurs after a construction project has been completed. This means that if a person is injured as a result of the construction work performed, such as a building defect or unsafe condition, this coverage would apply.

In Wendy's case, since she hired Jim for a construction job (the addition), if the injury occurred on the premises as a direct result of Jim's completed work, Completed Operations Liability would offer financial protection by covering Wendy's medical expenses and any potential legal costs arising from the incident.

While Premises Liability could generally cover injuries occurring on a property, it typically applies more to incidents related directly to the premises' condition rather than construction-related accidents after completion. Product Liability pertains to injuries caused by defects in products sold, which is not applicable here. Personal Injury Liability typically covers non-physical injury claims, like defamation, which would not be relevant to Wendy's situation.

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