Where the customer carries comprehensive or collision, yes, and under a direct excess basis their policy is expected to go first. Three things push a loss back onto the customer whatever basis you bought. Garagekeepers is written by peril, so a shop that took specified causes of loss without collision has nothing for a test-drive accident. Theft by your own employee is excluded. Personal belongings inside the car are excluded or sublimited. Know that before you tell a customer you are covered.
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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