What is Property Damage?

Property Damage is physical injury to or destruction of tangible property belonging to others, covered by your general liability insurance when you’re legally responsible.

What You Need to Know

If your restaurant’s kitchen fire spreads to a neighboring business, or your delivery driver backs into a customer’s car, your general liability covers the property damage you caused to others.

Why It Matters for Restaurant Owners

Property damage liability is included in your CGL policy alongside bodily injury coverage. Common claims include:

Fire damage spreading to adjacent properties
Water damage to floor-below tenants from your plumbing leaks
Vehicle damage in your parking lot

Ensure your per-occurrence limits cover realistic property damage scenarios—damage to commercial properties or multiple vehicles can easily exceed $500,000.

Property Damage Coverage Calculator

See if your coverage limits match realistic damage scenarios

Select Damage Scenario:

Estimated Damage Amount:

Your Per-Occurrence Limit:

Note: This calculator shows potential out-of-pocket exposure based on common property damage scenarios. Actual damages may include additional costs like business interruption claims from affected parties, legal fees, and temporary repairs.