Does general liability cover customer belongings I store?

Usually not fully. Standard general liability commonly excludes or limits damage to property in your care, custody, or control, which is exactly what contents storage involves. Care, custody, and control coverage is designed to respond to damage or loss of the customer property you hold, and it is a frequent gap in generic contractor policies.

How much care, custody, and control coverage do I need?

Enough to cover the value of contents you hold at peak, not just an average. If a fire or theft at your storage facility hit a full pack-out, the limit needs to respond to the total value in your care. We size it to your actual storage exposure rather than a default number.

Is property covered in transit as well as in storage?

It should be. Contents move from the loss to your facility and back, and coverage should follow the property through transit and storage, not only while you handle it on site. We confirm both legs are covered so there is not a gap when belongings are on the truck or in the warehouse.

How do I protect against inventory disputes?

With documentation and coverage together. Detailed inventories, photos, and clear intake and release records are your first line, and care, custody, and control coverage backs them. We help you understand what the coverage resolves so your records handle the rest, because many contents claims turn on proof of condition and count.

Contents Restoration Insurance - Vantage Point Risk

You are storing someone's whole life. Cover it like it.

Contents restoration, pack-out, cleaning, and storage of a customer's belongings after a loss, means you are holding other people's property, sometimes for months. Damage, loss, or a dispute over the inventory is a core exposure, and standard general liability commonly limits or excludes property in your care.

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Contents restoration contractors typically need general liability, workers compensation, commercial auto, and equipment coverage, plus care, custody, and control coverage sized to the value of property they hold, and coverage for property in transit and in storage. The central exposure is damage, loss, or dispute over customer belongings in your care, which standard general liability often excludes.

Property in your care is the whole exposure

When you pack out and store a customer's contents, you are responsible for that property while it is in your care. Standard general liability commonly excludes or limits damage to property in your care, custody, or control, which is precisely the contents restoration exposure. Care, custody, and control coverage is what responds to it.

Transit and storage

Contents move from the loss to your facility and back, and sit in storage in between. Both legs carry exposure: damage in transit, and fire, water, or theft at your storage location. Coverage has to follow the property through transit and storage, not just while you are physically handling it on site.

Inventory disputes

Many contents claims are disputes, a customer says an item is missing or was damaged in your care. Detailed inventory, photo documentation, and clear intake and release records are your first defense, and care, custody, and control coverage backs them up. We help you understand what the coverage does and does not resolve so your practices fill the rest.

How we handle it

We size care, custody, and control coverage to the value of contents you actually hold, confirm transit and storage are covered, and review the limits against your peak storage. We coordinate it with your general liability and property coverage and align the documentation practices that keep inventory disputes from becoming uncovered losses.

You are storing someone's whole life. Cover it like it.

Property in your care is the whole exposure

Transit and storage

Inventory disputes

How we handle it

Common questions.

Is the property in your care actually covered?

Keep going.

Care, Custody & Control

Fire & Smoke Restoration

Coverage Review

Cover the contents you are trusted to hold.