Voluntary property damage coverage wording and examples

Compare Voluntary property damage coverage forms

Voluntary property damage coverage forms compared by Intent, When it applies, Limits and conditions
Form	Intent	When it applies	Limits and conditions
Umialik Insurance Company Voluntary Property Damage CG MU 0069 03 24 Commercial General Liability	Pays at the insured’s request for specified damage to property of others.	Addresses damage caused by the insured or while property is in its possession, arising from business operations.	The specimen schedules occurrence and aggregate limits and a deductible, and excludes specified property and losses.
The Cincinnati Indemnity Company Voluntary Property Damage and Care, Custody or Control Liability Coverage - New York GA 204 NY 09 20 Commercial General Liability	Adds voluntary property damage coverage and separate care, custody or control liability coverage.	Pays for repair or replacement of others’ property caused by the insured or occurring while in its possession, subject to policy period and territory terms.	At the insured’s written request the form pays regardless of fault; the schedule sets limits and a $250 occurrence deductible for this coverage.

“for “Property Damage” to property of others caused by you, or while in your possession”

Umialik Insurance Company · Voluntary Property Damage · CG MU 0069 03 24

Damage to property of others. The endorsement also requires the damage to arise from business operations and applies its limits and exclusions.

“At your written request, we will make this payment regardless of whether you are at fault”

The Cincinnati Indemnity Company · Voluntary Property Damage and Care, Custody or Control Liability Coverage - New York · GA 204 NY 09 20

Fault. The payment concerns qualifying property damage under the voluntary coverage and remains subject to the form’s terms.

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