Garage liability exposures are typically addressed by which policies?

Garage liability exposures are typically addressed by which policies?

• A. Commercial Auto, Garage Liability, and possibly BOP or specialized endorsements.
• B. Homeowners Insurance.
• C. Flood Insurance.
• D. Workers' Compensation.

Answer: (A)

Garage operations bring liability from the work you do on customer vehicles and from vehicles that are in your care, custody, or control. The most fitting way to cover these risks is to have a Garage Liability policy, which specifically protects against bodily injury and property damage arising from the garage’s operations, as well as related products and completed operations. Because many garages also use vehicles in their business or move customers’ vehicles, adding Commercial Auto coverage helps protect against liability and physical damage tied to those autos, including hired or non-owned vehicles. A Business Owner’s Policy can sometimes bundle property and liability for a small garage and can be enhanced with specialized endorsements to address garage-specific risks (for example, garage keepers coverage for customer vehicles). Homeowners, flood, and workers’ compensation don’t address these commercial garage exposures, so they’re not the right fit for this risk.

Garage operations bring liability from the work you do on customer vehicles and from vehicles that are in your care, custody, or control. The most fitting way to cover these risks is to have a Garage Liability policy, which specifically protects against bodily injury and property damage arising from the garage’s operations, as well as related products and completed operations. Because many garages also use vehicles in their business or move customers’ vehicles, adding Commercial Auto coverage helps protect against liability and physical damage tied to those autos, including hired or non-owned vehicles. A Business Owner’s Policy can sometimes bundle property and liability for a small garage and can be enhanced with specialized endorsements to address garage-specific risks (for example, garage keepers coverage for customer vehicles). Homeowners, flood, and workers’ compensation don’t address these commercial garage exposures, so they’re not the right fit for this risk.