Commercial Property vs General Liability Insurance?

These coverages protect different interests. Commercial property is first-party insurance for a business’s building, contents, and other scheduled property damaged by a covered cause. General liability responds to certain claims that the business caused bodily injury or damage to someone else’s property, subject to its own terms. A customer’s damaged goods in your custody may call for property-of-others coverage; a suit alleging you damaged them raises a liability question.

Review each policy’s insureds, covered property or claims, limits, deductibles, exclusions, and locations. A certificate or contract requirement does not expand either policy. Many BOPs package property and liability, but verify the actual declarations and forms instead of relying on the package name.