Garage Liability Insurance
We have access to few markets that writes Garage Keepers/ Auto dealers policy.
The Garage Coverage Form is designed to provide both general liability and automobile liability coverages in one form for insureds who operate a garage.
While the CGL has become broader, the Garage form’s liability coverage has not been expanded.
Though it does combine premises liability with products and completed operations liability, there are exclusions and limitations that cause a disparity in coverage.
Adding the Broadened Coverage – Garage Endorsement to the Garage form closes the gap between the CGL and the Garage policy.
In fact, some coverage aspects of the Garage Form become slightly broader. This endorsement applies only to the liability related to the garage operation(s) and not to any liability involving the ownership, maintenance or use of any covered vehicles.
This coverage is generally offered in two different types of policy forms:.
In the “occurrence” form, the bodily injury or property damage must occur during the policy period.
Under a “claims made” policy, the claim must be made during the policy period or during the extended reporting period if that coverage was purchased.