General liability answers claims against you. It does not pay to repair or replace the tables, lifts, or tools you own and rent out.
Where each policy applies:
Customer injury: A guest trips over a tent stake or a renter is hurt by a tool. General liability responds to the injury claim and your legal defense.
Damage to your inventory: A customer drops a generator or a storm damages stacked chairs on a jobsite. This is a first-party loss to your own property, and general liability generally excludes it.
Gear in transit or at the customer’s site: Standard commercial property often stops at your premises. Inland marine coverage, sometimes called an equipment floater, is built to follow your inventory off-site.
Customer-caused damage: Rental agreements and damage waivers set who pays first, but your policy still decides what you recover.
How Liberty structures your protection: Liberty places general liability, commercial property, and inland marine coverage together and reviews limits against your actual inventory values, so a customer-site loss is not the first time you find a gap.