Does My Garage Liability Cover More than Just Cars?

Have you recently had customers bring in transportation vehicles other than your typical automobiles? Especially during the winter season, it’s common that snow mobiles can be damaged as a result of bad weather. It’s also a great time for other things – such as motorcycles, ATV’s and boats to be repaired while out of service for the season. However, do you know if your garage insurance covers more than just your typical registered motor vehicles?

As a garage owner, you may be wondering just how far your coverage can extend. We are here to answer your questions and get you the security you deserve.

By making additions to your garage liability coverage, you can be covered for garage operations that span beyond covered “autos”. This means in addition to the autos, motorcycles, trucks, buses and motor homes in your shop, you can protect modes of transportation that are outside of the box, such as: boats, aircrafts, ATV’s and more.

The garage operations coverage, offered for “other than autos”, is subject to an accident limit so be sure to select a limit of insurance that fits your needs by covering your maximum exposure.

Also, since garage liability coverage may not be as broad as a CGL policy’s coverage, it is recommended that you consider adding the Broadened Coverage – Garages endorsement (CA 25 14). This adds coverage for:

Personal and Advertising injury
Fire legal liability
Non-owned watercraft
Newly acquired garage businesses (90 days)
Besides providing superior, tailored garage insurance insurance, the specialists at Wolpert Insurance’s Collision Select include former Licensed Auto Damage Appraisers; so we know a thing or two about repairs. Our extensive experience allows us to develop truly exceptional, custom garage insurance programs that fit your budget. Interested in learning more about garagekeepers insurance and the coverage you need for your auto body shop? Speak with a leading expert from Wolpert Insurance today to discover your specialized commercial insurance options!