Garage Liability
Auto repair shops and auto body shops both have a particular care situation. They need a general liability policy and coverage if a car in their account is damaged or stolen. They must also drive vehicles from one area to another and test-drive vehicles on the highway. Then there's the business property problem, which might involve tools and equipment owned by the owner and mechanics, who also have to buy their own. Regarding liability coverage, they need general liability. They need auto-responsibility coverage while driving a car. There is then a particular form of content called garage keepers liability.
This is a form of bailee coverage (coverage of other property under your care, custody, and control) that covers the vehicles a shop works on. It's in three flavors. Garage Keepers legal liability: Do you recall the "legal liability" wording from before? Assume a car is stored overnight while working on it. If it is burned down or vandalized, Garage Keepers Legal Liability would require the garage keeper to be considered legally responsible before insurance is charged. That also requires an investigation, probably a lawsuit, and you know an insurance provider will be liable.
Car repair shops and auto body shops both have a particular position in charge of other cars. They need general liability coverage, and they need coverage if a vehicle in their account is destroyed or stolen. They also have to drive vehicles from one place to another and inspect vehicles on the street.
Garage keepers civil liability
Remember the previous "legal liability" wording? Say a car is kept overnight at work. If burned or vandalized, Garage Keepers Legal Liability would require the garage keeper to be considered legally responsible before insurance is paid. That also involves an audit, maybe a lawsuit, because you know an insurance firm can do what it can to argue that the garage keeper is not responsible, so they don't have to pay. If the insured is not considered negligent, the insurance provider does not have to settle the claim. Then Garage Keepers Direct Insurance. If Direct Excess, only after the car owner's own extensive or accident coverage pays out, it falls into play. And they might not because, at the time, the vehicle was not under the owner's care, custody, and control.
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