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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