We are happy to partner with an A rated admitted carrier to provide insurance for auto dealers including new and used franchised, non-franchised, with and without repair operations (as known as garagekeeper’s liability). The policy is written on a ISO Garage Coverage Form CA 00050306.
Garage liability provides protection for bodily injury and property damage claims for which your dealership is held liable. Garage Liability is the foundation of any automobile dealer’s insurance program. Structured as a hybrid of automobile liability and premises liability, this essential protection is normally required by DMV to comply with license requirements.
The following Covered Auto Symbols are available:
21 Any “Auto”
22 Owned “Autos” Only
Only those “autos” you own (and for Liability Coverage any ‘trailers” you don’t own while attached to power units you own). This includes those “autos” you acquire ownership of after the policy begins.
23 Owned Private Passenger “Autos” Only
Only the private passenger “autos” you own. This includes those private passenger “autos” you acquire ownership of after the policy begins.
24 Owned “Autos” Other Than Private Passenger “Autos” Only
Only those “autos” you own that are not of the private passenger type (and for Liability Coverage any “trailers” you don’t own while attached to power units you wn). This includes those “autos” not of the private passenger type you acquire ownership of after the policy begins.
25 Owned “Autos” Subject To No- Fault
Only those “autos” you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those “autos” you acquire ownership of after the policy begins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged.
26 Owned “Autos” Subject To A Compulsory Uninsured Motorists Law
Only those “autos” you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those “autos” you acquire ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement.
27 Specifically Described “Autos”
Only those “autos” described in Item Nine of the Declarations for which a premium charge is shown (and for Liability Coverage any “trailers” you don’t own while attached to a power unit described in Item Nine).
28 Hired “Autos” Only
Only those “autos” you lease, hire, rent or borrow. This does not include any “auto” you lease, hire, rent, or borrow from any of your “employees”, partners, (if you are a partnership), members (if you are a limited liability company) or members of their households.
29 Non-Owned “Autos” Used In Your Garage Business
Any “auto” you do not own, lease, hire, rent or borrow used in connection with your garage business described in the Declarations. This includes “autos” owned by your “employees” or partners (if you are a partnership), members (if you are a limited liability company), or members of their households while used in your garage business.
30 “Autos” Left With You For Service, Repair, Storage Or Safekeeping
Any customers land motor vehicle or trailer or semitrailer while left with you for service, repair, storage or safekeeping. Customers include your employees”, and members of their households, who pay for the services performed.
31 Dealers “Autos” (Physical Damage Coverages)
Any “autos” and the interests in these “autos” described in Item Seven of the Declarations.