In a nutshell, the difference between garage liability coverage and garagekeepers coverage is the difference between liability insurance and physical damage insurance. The first covers the insured’s liability for operations and autos, and the other covers damage to customers’ vehicles.

What liabilities are not covered under a commercial general liability policy?

Coverage A: Bodily Injury and Property Damage Liability Workers compensation and employment practices liability insurance are excluded but can be purchased as separate policies. In addition, pollution liability is excluded and can be purchased as an endorsement.

Which of the garage policy coverages will pay for physical damage to a garage customer’s auto regardless of legal liability?

2. Direct Primary. This form covers the customer’s vehicles regardless of liability. In a loss caused by no action of the insured such as a weather loss, or a theft although the vehicle was adequately protected, the direct primary garagekeepers pays.

What is not included in a garage policy?

Garage liability insurance will not cover the tools, building, personal, or business property of the policyholder. It does not provide coverage for vandalism, stolen vehicles, or damage from events such as hail. The policy does not cover accidents or damage to the customer’s cars on-site for service.

What is included in garage liability?

Garage liability is specifically designed for automotive repair shops, dealerships, towing companies, and service stations. It includes General Liability which covers bodily injury and property damage for others. For example, if a customer slips and falls on your premises that would be a General Liability claim.

What do you need to know about garage Keepers Liability?

In simple terms, garage keepers liability is physical damage coverage for vehicles left in the insured’s care. Just like a personal auto policy, it is comprised of comprehensive and collision coverage. Section III of the Garage Coverage Form reads as follows: (2) The “customer’s auto’s” overturn. (2) The “customer’s auto’s” overturn.

What’s the difference between garage insurance and garage liability?

Some providers of garage insurance offer mechanics E&O, broad form products and defective workmanship, or variations thereof. Garage liability, in contrast, provides coverage for the use of customer vehicles, such as a test drive on public roads.

What are the exclusions for garage keepers insurance?

There are several exclusions that are worth noting: Theft of the vehicle (or parts of the vehicle) caused by the insured or employees. Defective parts or materials. Faulty work performed by the insured. Loss to stereo or radio equipment, unless permanently installed in the vehicle.

What does it mean to be a garagekeeper?

Keep in mind that third-party claims caused by the customer’s vehicle are covered, the vehicle itself is not. Garagekeepers coverage is an optional line offering protection to the garage business for loss to a customer’s auto left in the insured’s care, custody or control.