garage liability vs general liability

Garage Liability vs General Liability

A common question we get asked is: What is the difference between garage liability and general liability coverage? The answer is quite simple.

General liability coverage will protect your business and assets in the event of somebody slipping and falling, for example, while walking in your auto repair shop. If a customer slips and falls into an underground service bay, general liability will pick up this incident.

Garage liability, on the other hand, extends over a commercial general liability policy to automobiles that are used within the scope of business, or that are in the care, custody, and control of your business. For example, if an employee is test-driving a customer vehicle to diagnose a squeaking belt and crashes into another motorist, garage liability coverage will come into play because a vehicle that the shop does not own, but was used within the scope of garage operations, caused the damage.

Reach out to us to have a garage insurance expert evaluate your current garage liability policy to ensure you are properly covered.