Products / Completed Operations — $10M
What this clause says
Products and Completed Operations coverage with limits of not less than $10,000,000 per occurrence and in the aggregate.
What this means in plain English
Higher-tier products liability limit, typical for sponsors manufacturing oncology, biologics, injectable products, or any Schedule I-IV controlled substances.
What it means for a CDMO program
Going from $5M to $10M usually means stacking a $5M excess layer over a $5M primary tower, which is a meaningful premium step ($15K-$40K depending on revenue and product). If your sponsor is asking for $10M, they likely have higher product risk you should also be pricing into your manufacturing fee.
Carrier notes
Negotiable — many sponsors will accept $5M for non-injectable, non-Schedule oral solid dose work.
How this evaluates
The Decoder applies these rules in order; the first match wins.
- products › total limit is at least $10M → Compliant: Total products limit meets $10M.
- products › total limit is at least $5M → Borderline: Below $10M — needs additional excess layer.
- products › total limit is not set → Gap: No products liability limit indicated.
See this in your MSA
Pre-loaded with this clause selected.
Run the Decoder