Does General Liability Cover Theft?
CGL does not cover your own stolen money, inventory, or equipment; crime and commercial property policies address different theft losses.
A robbery, employee embezzlement, forged check, and stolen inventory can fall under different crime or property-policy grants.
Identify what was taken, who owned it, and where it was located. Check covered property, theft conditions, safeguards, valuation, deductible, and reporting deadlines; ask about inland marine for property in transit.
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.