Businesses engaged in selling, servicing, storing, or parking autos have special insurance needs.
The garage coverage form was designed to cover the risk associated with these types of business
operations. The garage policy combines coverage for auto liability, commercial general liability,
and physical damage coverages in one policy. The garage operations includes the ownership,
maintenance and use of autos indicated in the policy as covered autos as well as nonowned/
customers autos. Garage operations also includes coverage for all operations that are necessary
or incidental to a garage business.

Garage Liability
The broad liability insuring agreement provides bodily injury and property damage liability coverage
similar to that provided by the commercial general liability policy and the business auto policy.

The liability insuring agreement for garage operations other than covered autos promises to pay
all sums an insured legally must pay for damages because of bodily injury or property damage
when caused by an accident and resulting from garage operations other than the ownership
maintenance or use of covered autos.

Garage liability for covered autos is provided for the named insured and anyone else while using
the auto with the insured's permission, the insured's employees, if the covered auto is owned by
that employee, and the insured's customers, if the insured is an auto dealership. However, certain
restrictions apply to coverage for customers.

The garage policy provides liability coverage for products that are made or sold in a garage
business. The policy also provides completed operations insurance which is subject to a
deductible. Completed operations coverage would apply in the event of a claim that resulted
from property damage to an auto as a result of work the insured performed on that auto.

The policy has an annual aggregate limit for garage operations other than covered autos and
an each accident limit which applies to both auto claims and other than auto claims.

Garage Keepers Liability
The garage keepers section of the policy covers the insured's liability for loss to a covered autos or auto equipment left in the insured's care while the insured is attending, servicing, repairing, parking or storing the auto in the garage operation. The causes of loss that may be insured against are collision, comprehensive, or specified causes of loss. The limit of insurance shown in the policy is the most the insurer will pay for each loss at each location listed in the policy.

Garage keepers insurance can apply on a legal liability basis, which means the insured must be legally obligated for the damages in order for the insurer to respond to a claim. The insured can also pay an extra premium for direct coverage. The direct coverage endorsement will pay for losses to customers cars without the usual requirement that the insured be legally liable. This endorsement is also known as goodwill coverage by many insured's because it preserves good customer relations when a customer expects to be paid for a loss even though the garage is not legally obligated to do so.

Standard Insurance also provides:

• Property

• Employee Benefit Plans

• Worker's Compensation



We highly recommend that you sit down with one of our experienced account executives to
discuss your specific needs, after which we will provide a detailed insurance strategy and
quote for your business.

"My relationship with Standard Insurance is one I'm happy to tell you about. I've been doing business with Standard since 2006 and they make it easy for me, it's trouble-free. I am pleased with their prices, their people, and their level of service – a level of excellence which you don't see in the world much these days."


Tim Dutton
Owner, Client Since 2006

Carolina Tire Company, Inc.
Rocky Mount, NC

"Before I began dealing with Standard Insurance, I had multiple policies with various companies all over the place. I had Workers' Comp with one company, but they couldn't handle me for Garage Liability so I had to go to another company for that coverage. Standard was able to take care of all the various coverages I needed, and they saved me a great deal of money by having everything in one place. I also like the fact that they have a local office and they actually answer the phone when I call them. That matters to me. I've dealt with both Buckley and George here in the local office and I'd say they provide "hands on" customer service. I would highly recommend them.."


Brian & Lisa Holland
Owners

Bayside Body Shop, Inc.
Kill Devil HIllls, NC

The abbreviated outlines of
coverages used throughout
this website are not intended
to express any legal opinion
as to the nature of coverage.
They are only visuals to a
basic understanding of
coverages. Please read your
policy for specific details of
coverages.

PRIVACY POLICY I SITE MAP