Does General Liability Cover Theft? 

As a business owner, protecting your company from unexpected risks is a top priority. One of the most common questions business owners have is whether basic general liability insurance covers theft. Understanding what your policy does and doesn’t include can help you make informed decisions about your business protection.

What Does General Liability Insurance Cover?

General liability insurance is designed to help safeguard your business from claims involving third-party bodily injuries, property damage to others, and specific legal liabilities. For example, if a customer slips and falls at your location or if you accidentally damage a client’s property, general liability can help cover related costs. This coverage is a foundational part of most Texas business insurance plans.

Does General Liability Insurance Cover Theft?

General liability insurance typically does not cover theft of your business’s property. General liability focuses on third-party claims—meaning incidents where someone outside your business is affected. If someone breaks into your office or shop and steals equipment, inventory, or cash, general liability insurance will not pay for those losses.

When Is Theft Covered?

To financially protect your business against theft, you may need to consider additional coverage options, such as the following:

• Commercial property insurance—This policy can help cover losses from theft, vandalism, fire, and other risks to your business’s physical assets.
• Business owner’s policy (BOP)—A BOP often combines general liability and property insurance, offering broader protection for small businesses.
• Specialized crime insurance—For businesses with higher theft risks, crime insurance can provide extra security against employee dishonesty, forgery, and more.

Contact Us

At Mi Pueblo Supreme Insurance in Irving, TX, we’re committed to helping business owners understand their insurance options. If you have questions about general liability, theft coverage, or building a comprehensive protection plan, contact us today.

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.