Understanding Care, Custody, and Control Liability Insurance

April 23, 2021 by Shelby Marsh

General liability insurance coverage is very broad and typically covers the business premises, products, operations, personal, and advertising injuries.  But it does not cover everything. There are two types of claims that are not covered by a basic general liability insurance policy. Care, Custody, and Control Liability Insurance is not included by unendorsed general liability insurance policies.

A typical general liability insurance policy excludes anyone else’s personal property under your care, custody, and control, including something you are working on for your business.   In the insurance industry, Care, Custody, and Control Liability Insurance coverage often comes up.

Care usually means to have “temporary charge of,” custody typically means “to keep or guard,” and control means that it is “within your power to manage, or oversee.” Those businesses with large exposures may need items like warehouseman’s liability or garage keeper’s coverage.   But, if the care, custody and control exposure is incidental to your business, it can be purchased as additional coverage to your general liability insurance policy.  One limitation of Care, Custody, and Control Liability Insurance added to a general liability policy is that you will be legally liable should you cause damage to the personal property.

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