Does General Liability Cover Damage to Rented Property or Premises?
CGL may cover limited damage to rented premises under a separate limit; the amount may not meet your lease obligation.
Short-term rentals and fire damage can be treated differently; coverage is not the same as insurance on your own tenant improvements or contents.
Compare the rented-premises limit and fire terms with your lease. Check the cause of loss, rental duration, deductible, and endorsements.
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 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.