Does General Liability Cover Business Property?
No. General liability pays for damage you cause to other people's property, not your own building, inventory, or equipment; commercial property insurance covers those.
No. The standard general liability form excludes damage to property you own, rent, or occupy, and to personal property in your care, custody, or control. To insure your building, inventory, and equipment, you need commercial property coverage.
A business owners policy packages liability and property coverage together, but each part has its own terms. When you compare quotes, check the property values, locations, covered causes of loss, deductibles, and any limit for equipment you take off-site.
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