Start with what a contract or agency requires, because that is the floor. The CHP rotation tow agreement sets garage liability at $500,000 and garagekeepers at the on-hook limit; leases, floor-plan lenders and franchise agreements set their own. Above the floor, size garagekeepers from the peak value of customer vehicles on site overnight, property from replacement cost, and business income from the months a lift or paint booth rebuild would take.
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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