It depends on which form applies and who was driving. Test drives usually fall under your auto coverage rather than garage keepers, and coverage can differ between an employee and [...]
Very likely. New York applies its own test for employment status, and misclassifying mechanics is one of the most common findings in a workers' compensation audit. Getting this wrong can [...]
Garage liability covers injury and damage arising from your operations. Garage keepers covers damage to customers' vehicles in your possession. Most shops need both, and having one does not imply [...]
Usually yes. Waste oil, antifreeze, solvents and refrigerant all count as pollutants, and standard general liability excludes pollution regardless of how routine the work is. Shops are most often surprised [...]
No. General liability specifically excludes property in your care, custody or control, which is exactly what a customer's vehicle is once it's on your lot. That gap is what garage [...]
Contact your insurance provider immediately, document the incident, and follow their instructions for filing a claim.
Implementing safety measures, maintaining a good claims history, and bundling policies can help reduce premiums.
It covers damage to vehicles in your care, custody, or control, such as during servicing or storage.
Yes, personal auto insurance usually does not cover business-related incidents.
General liability, commercial property, workers’ compensation, and garage keepers insurance are essential.
