The repair you got wrong is not the same as the damage that repair caused. Faulty workmanship, defective parts, and the cost of redoing the job are excluded, and garage liability does not add that back. What garage liability reaches is the resulting bodily injury or property damage if the bad repair causes a loss. Beyond that, personal belongings left inside a customer’s car are commonly excluded or sublimited, employee tools sit elsewhere, and vehicles the business owns belong on auto physical damage or dealer inventory coverage instead. Theft responds only where that peril was actually purchased.
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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