It turns on which basis the coverage was written on, and there are three. Legal liability responds only where the business is found responsible, so fault has to be established, and a customer whose car was hailed on in your lot gets nothing from you. Direct primary responds regardless of fault and pays first, which keeps the customer out of their own policy. Direct excess also responds regardless of fault, but where you are not liable it sits behind the customer’s own physical damage coverage and commonly reimburses their deductible. Forms differ on how direct excess behaves when you are liable, so read the other insurance condition on yours.
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’ ...
Ready to get started?
Talk to an advisor or request a quote. The form takes about five minutes, with no commitment. Be insurance wise.
