Garage liability
Combines premises liability, products/completed ops, and auto liability for covered autos (including customer test drives) into one policy.
- Symbol 21 (any auto) for repair operations
- Completed ops for faulty repairs
- Defective parts — products liability
Garage keepers
Customer vehicles in your care: fire, theft, collision, vandalism.
- Direct primary vs. legal liability only — choose direct primary
- Limit = max vehicles on lot × average value
- Includes vehicles on the street waiting for pickup if endorsed
Environmental
Waste oil, solvents, paint, and refrigerants. GL and garage forms exclude pollution.
- Premises pollution liability
- Hazmat storage compliance
- Body shops: spray booth permits