FAQs

Usually not. Standard GL forms largely exclude pollution, which is why a separate policy typically applies.

CPL generally follows your work at job sites, while site pollution attaches to a specific location you own or operate.

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’ ...

No. A business auto policy insures the vehicles the business owns, hires and borrows, and excludes damage to customers’ vehicles in your care. A garage or auto dealers form is ...

Not typically, since the property portion generally excludes them. Those may be arranged separately, and we can discuss options.

Growth in revenue, locations, vehicles, or property, or a change that affects eligibility, are common signs. We will review whether a CPP fits better.

Yes, that flexibility is a key reason businesses choose a CPP. We will help you decide what to include.

Standard property typically excludes the equipment’s own mechanical, electrical, or pressure breakdown, so this coverage is usually added on.