WEDNESDAY, JANUARY 11, 2017
Commercial garages can be full of a number of hazards. They are often filled with moving vehicles, expensive equipment, a surplus of employees and  potentially dangerous tools. Even the safest garages will occasionally have accidents, and that's why it's essential to make sure that your business is covered. That's where garage general liability (GGL) coverage comes in. GGL can basically be thought of as a combination of a commercial general liability policy and a business auto policy that's designed to cover the typical operations of commercial garages. however, as with most insurance policies, there are some important exclusions and distinctions you should understand as you elect your coverage. Garage general liability is designed to cover losses that could occur in the day-to-day operations of your garage. A standard garage general liability policy breaks down covered liabilities into two distinct classes: * Garage operations other than covered autos" This section includes coverage liability for property damage to the garage itself, as well as bodily injury to owners, their employees and their customers. * Operation of autos: This refers to aspects of coverage analogous to many business auto policies. Specifically, a GGL policy will cover vehicles owned by the business, vehicles being held for sale or any other vehicles owned by someone else and being used in business operations. For example, this would include damages incurred if a business's managing is driving a demo vehicle and causes an accident, of if the company's parts driver gets in an accident while making a delivery.
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