Property Damage Liability
When your business damages someone else's property, property damage liability responds.
Property Damage Liability
A contractor scratches a client's floor, a technician breaks equipment on a service call, a vehicle strikes a fence.
It covers repair or replacement of the damaged property, plus your legal defense if the claim is disputed.
What You Need to Know About Property Damage Liability
Third-Party Property
Covers damage to property owned by others, clients, customers, landlords, or bystanders, caused by your business operations, employees, tools, or equipment. Applies whether the damage is accidental or the result of a mistake.
Essential for Contractors and Service Businesses
Any business that works at client locations, handles client property, or operates in environments owned by others faces property damage exposure every day. A single significant damage claim can exceed your liquid assets without coverage.
Defense Costs Included
If a property damage claim is disputed, or exaggerated beyond what actually occurred, your policy pays your legal defense from the first dollar. Attorney fees and court costs are covered even if the claim is ultimately found groundless.