Garage Liability & Garagekeepers Legal Liability
Limits
Maximum limit is $1,000,000 CSL for Garage liability & $500,000 for Garagekeepers Legal Liability.
GKLL will only be written on a Legal Basis and for Specified Perils. Maximum coverage per vehicle is $35,000.
Deductibles
GKLL will be $500 deductible per vehicle for collision and $500 per vehicle $2,500 maximum deductible for Specified Perils.
Policy Forms and Rates
Insurance Service Office and GIC Rules, Loss Cost Rates and Forms, apply in all cases.
Territory
State of Florida ONLY
Coverage
We will write only Service Risks under the Garage Liability program. These risks include the following types:
- Repair Shops - Risks primarily engaged in the repair of autos, including body, fender, radiator, ignition service and paint shops
Excluded Risks
The following types of risks will not be written:
- Tow truck companies
- Franchised and non-franchised auto dealers
- Valet parking operations
- Franchised or non-franchised self-propelled land motor vehicle dealers
- Franchised motorcycle dealers
- Equipment or implement dealers
- Franchised or non-franchised residential or commercial trailer dealers
- Other franchised or non-franchised self-propelled land motor vehicle dealer
- Storage garages
- Vehicle Transport Companies
- Sale of Recap Tires.
- Automobile Dismantle Operations
- New and/or used Tire Sales greater than 25% of total revenue
- Businesses performing any modifications or enhancements to vehicles for the purpose of increasing speed/horsepower
- Mobile Mechanics
Updated 12/10