Does General Liability Cover Stolen Equipment?
CGL does not replace equipment your business owns when it is stolen; commercial property or inland marine may cover it.
Tools stolen from a jobsite or vehicle face a different exposure from equipment kept at your business premises.
Review covered property, theft exclusions, transit and off-premises limits, valuation, and deductibles. Confirm the listed equipment and values match what you own or rent.
Coverage Guides Related to General Liability Insurance
Sources for This Answer
- 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.