Does General Liability Cover Fire Damage?
CGL may cover your legal liability for fire damage to someone else’s property; damage to rented premises has a separate limit.
Damage to property your business owns is a first-party property claim.
Check the declarations for the rented-premises fire limit, deductible, and endorsements, then compare them with your lease requirements. Tell the broker about fire hazards such as cooking or hot work.
Coverage Guides Related to General Liability Insurance
Sources for General Liability Insurance Answers
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.