Does General Liability Cover Water Damage?
Potentially, for accidental damage to someone else’s property that your business is legally liable for; your own property needs separate coverage.
A leak, flood, sewer backup, gradual seepage, or damage to your own property can be treated differently under the policy.
Identify the cause and what property was damaged. Check CGL exclusions and your commercial property policy’s water, flood, and sewer terms; ask the insurer about any limitation in the quote.
