Does Basic General Liability Protect Against Vandalism? 

Protecting your property from unexpected risks is a top priority. A common question is whether basic general liability insurance covers vandalism. Understanding what your policy does and doesn’t cover can help you make informed decisions about your business insurance.

What Does General Liability Insurance Cover?

General liability insurance can financially protect your business from claims involving bodily injury, property damage to others, and certain legal liabilities. For example, if a customer is injured on your premises or your operations damage someone else’s property, this coverage can help with the related costs. However, it doesn’t cover damage to your own property, including vandalism. So, if someone breaks a window or defaces your building, general liability won’t pay for the repairs.

How Can You Protect Your Business from Vandalism?

Financially protecting your physical infrastructure (e.g., buildings, equipment, and inventory) against vandalism and other perils typically requires a robust commercial property insurance policy. Many business owners choose to combine general liability and property coverage in a business owner’s policy (BOP) for broader, more efficient protection. This bundled approach can simplify coverage, reduce costs, and ensure key risks are addressed. Etler-Kettenacker Agency can assess your business’s unique circumstances and provide tailored insurance solutions.

When Should You Consider Additional Coverage?

If your business is located in an area with a higher risk of vandalism or if you have valuable property on-site, it’s imperative to review your insurance options. Protecting your business means understanding what your insurance covers and where you may need additional protection.

Business Insurance in Mason, OH

Our team at Etler-Kettenacker Agency is here to help you navigate your options and find the right insurance solutions for your unique situation. From evaluating your coverage to offering guidance on protecting your business from the perils of vandalism, we’re here to help. Contact us today to find out more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.