Does General Liability Cover Employee Theft?
No for money or property your employee steals from your business. Check crime or employee-dishonesty coverage.
CGL generally covers liability to others, not your direct loss when an employee steals company money or property. Crime or employee-dishonesty insurance is the coverage to check.
Review which employees and property qualify, when a loss must be discovered, the reporting deadline, and the limit. Preserve records and report the loss under the crime policy.
Related Coverage
Sources
- 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.
