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.
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