Gavin, in Vermont, drives a snow plow and does other snow removal services in the winter. He clears a parking lot of snow on a Thursday, shoving it all to one side of the lot. He also shoveled the sidewalk between the parking lot and the stores, but did not do a good job and did not put down salt. On Saturday Charlotte fell on the ice and injured herself. She sues Gavin. Gavin has a commercial general liability policy for his work, but does not have completed operations coverage.

Explain whether the policy will cover the claim or whether he should have gotten completed operations coverage?