Care, Custody, or Control (CCC)
Definition. Care, Custody, or Control (CCC) is a standard General Liability exclusion for damage to property the insured does not own but has been entrusted with — typically requiring a separate endorsement, Inland Marine policy, or Garage Keepers policy to cover.
Also known as: CCC Exclusion, Care Custody and Control Exclusion
The CCC exclusion is one of the most-litigated provisions in the ISO Commercial General Liability form. It excludes coverage for property damage to personal property that is in the named insured's care, custody, or control — meaning damage to customer property a service business is working on is NOT covered by GL alone.
Service businesses that physically possess customer property (auto repair, dry cleaners, equipment repair, computer technicians, jewelry repair) routinely need a Bailee's Customer Goods or Garage Keepers endorsement to fill this gap.
Example
A computer repair shop drops a customer's laptop while testing it, damaging the screen. The shop's General Liability policy does NOT pay — the laptop was in the shop's care, custody, or control. A Bailee Customers Goods endorsement would have covered it.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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