Usually yes, since the garage form is built to package it. A garage policy commonly carries the liability, the garagekeepers, and the owned autos together, with property and workers’ compensation alongside. What to check is not the packaging but the limits inside it. Ask whether garagekeepers has its own limit or shares with the liability limit, whether defense costs erode the limit, and how the deductible applies. A single policy number is convenient. It does not by itself mean the limits are adequate.
Related FAQs
No. Garagekeepers covers customers’ vehicles, and garage liability covers injury and damage to others. Employee-owned tools are insured as a separate scheduled item on the property or inland marine ...
A customer’s vehicle is in your care, custody or control from the moment it is handed to you until it is returned. That means on the lift, in the ...
Yes, if customers leave vehicles with you. Garage liability answers for injury and damage arising from your operations, including the auto exposure. Garagekeepers answers for damage to the customers’ ...
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