Care, custody and control

No coverage for others’ property damaged in your care.


What is care, custody and control (CCC)?

CCC is an exclusion in general liability insurance or commercial auto insurance policies. If you damage an item you’re taking care of, but don’t own, your insurance might not cover the costs.

For example, let’s say you’re a general contractor hired to remodel a client’s kitchen. While working on the project, you accidentally damage an expensive piece of art. If your general liability insurance policy includes the CCC exclusion, your insurance company may not cover the cost of repairing or replacing it because you were in care, custody and control of the item.

How does the CCC exclusion work?

General liability coverage handles financial losses if someone gets injured on your premises. It also covers you if your operations or products cause bodily injury or property damage. Think of it as a safety net for your property against various types of claims.

Without a CCC exclusion, general liability coverage extends to injuries or damages that occur while you have care, custody or control of someone else’s property. However, if your general liability policy has a CCC exclusion, you won’t receive any protection in these cases.

Care, custody and control exclusion scenarios

The CCC exclusion could apply in the following scenarios:

  • A mechanic damages a client’s car while it’s in their workshop.
  • A dry cleaner stains a client’s dress.
  • A jeweler scratches a client’s watch during a repair.
  • A dog is injured while being walked by its dog walker.
  • A real estate agent damages a wall while showing a house.

CCC exclusions apply when businesses are in charge of someone else’s property. Because of the CCC exclusion, general liability may not cover damages.

What insurance fills the gaps for the care, custody, and control exclusion?

There are several policies that cover property loss caused by the CCC exclusion.

  • Garagekeeper liabilityThis is insurance for businesses like auto repair shops. It covers damages to customers’ vehicles while in your care.
  • Bailee coverage: This is insurance for items you’re entrusted with. For example, if you’re a dry cleaner and a customer’s clothes get damaged, this coverage handles it.

Protect your business with NEXT

Navigating the intricacies of insurance doesn’t have to be daunting. NEXT is committed to simplifying insurance and helping you get the coverage your business needs.

For a tailored quote in under 10 minutes, simply apply online and answer a few questions. Once you’ve settled on your coverage, you can easily access and share your certificate of insurance anytime, anywhere, through our web or app.

If you have questions, our licensed, U.S.-based insurance professionals are ready to help.

Start a free instant quote with NEXT today.

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Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
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Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.