General Liability vs. Commercial Property Insurance

Two of the most important business coverages sound similar but do opposite jobs. General liability covers harm your business causes to others — customer injuries or damage to their property. Commercial property covers your own things — your building, tools, equipment, and inventory. Most businesses need both, and a Business Owners Policy can often bundle them together. This video breaks down the difference with simple examples.

Coverage terms, limits, and exclusions vary by policy and carrier. This video is general education only and does not guarantee coverage for any specific claim or business. Review actual policy documents for exact terms.