Garage Policy
Any business that handles customers' vehicles needs garage liability insurance in addition to its commercial general liability coverage.
Garage PolicyWhat is Garage Policy? |
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Garage Policy is a combination Business Auto Coverage form and a Commercial General Liability Coverage form. Garage liability insurance is an absolute necessity for the owner of a car dealership, a local mechanic, a tire dealer or a company doing oil changes.
Garage-Keeper's InsuranceGarage-keeper's insurance covers property damage to vehicles while in "care, custody or control" of the shop. This coverage is not included in a standard garage liability policy. For example, if there is a fire while a customer's car is stored overnight in the garage, the shop owner is not covered unless he also has a garage-keeper's policy. This policy will also cover employees while they are test driving the customer's vehicle. General garage liability only covers other parties injured by the employee in case of an accident. Garage-keeper's limits and deductibles are applied per vehicle, which can be costly if an incident damages several cars at once.
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San Jose office 5450 Thornwood Dr. Suite O San Jose, CA 95123 (858) 569-8100 San Diego office 3914 Murphy Canyon Rd. Suite A154 San Diego, CA 92123 Click Here to Email Us |