---
title: "Does General Liability Cover Fire Damage?"
description: "CGL may cover your legal liability for fire damage to someone else’s property; damage to rented premises has a separate limit."
canonical: "https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-fire-damage"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does General Liability Cover Fire Damage?

CGL may cover your legal liability for fire damage to someone else’s property; damage to rented premises has a separate limit.

Fire damage to rented premises has separate policy wording and a dedicated limit; damage to property your business owns is a first-party property claim.

Check the declarations for the rented-premises fire limit, deductible, and endorsements, then compare them with your lease requirements. Tell the broker about fire hazards such as cooking or hot work.

## Related Questions

- [Does General Liability Cover Damage to Rented Property or Premises?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-rented-property-and-rented-premises)
- [Does General Liability Cover Water Damage?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-water-damage)
- [Does General Liability Cover Property Damage?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-property-damage)
- [Does General Liability Cover Bodily Injury and Customer Injuries?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries)

## Related Coverage

- [General liability](https://spot.insure/coverage/general-liability)
- [Commercial property](https://spot.insure/coverage/commercial-property)

## Sources

1. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

More answers: [General Liability Insurance FAQ](https://spot.insure/insurance-faq/general-liability).

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