Does General Liability Cover Property Damage?
Often, for covered physical damage to someone else’s property; CGL does not insure your own building, inventory, or equipment.
CGL exclusions for property in your care or under repair can also limit damage claims involving someone else’s belongings.
Check the policy’s property-damage definition, exclusions, limits, deductible, and endorsements. Get commercial property or inland marine coverage for your own property.
Coverage Guides Related to General Liability Insurance
Sources for General Liability Insurance Answers
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- 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.