Work from the peak, not the average. The measure is the total value of customer vehicles on your premises at the worst moment, which is usually overnight, over a weekend, or when a job is waiting on parts. Then check how the limit is arranged. Some forms state a limit per location, some per occurrence, and the deductible may apply per vehicle rather than per event, which matters when hail or a break-in reaches a whole row of cars. High-value or collector vehicles can exceed a standard limit on their own.
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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