Insurance Guru

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Joey, where is 260's little brother?

General Liability covers your repairs, Garagekeepers provides coverage if the vehicle was in storage and was stolen or if you were driving and you wrecked it. It is physical damage only. General Liability provides bodily injury coverage for faulty repairs such as a faulty brake job. It also provides coverage if you put a water pump on an engine and if fails and causes the engine to over heat and becomes damaged. In some insurance programs Garagekeepers provides coverage for the vehicle in tow also.

Garage Keepers Liability and General Liability are not the same. You are confusing Garage Liability with Garagekeepers. Garage Liability and General Liability provide coverage for your operations and premises. Your operations are your repairs. The Garage Liability form is longer supported by the Insurance Service Office, the organization that develops most of the coverage forms in use and has been replaced by the General Liability form. General Liability is the proper name for your business liability insurance and through different class codes, rates are developed for the different businesses reflecting their different exposures. That is not say the Garage Liability form is never used, since the surplus lines market still uses it. The surplus market is for risks that cannot obtain coverage through the "standard" market. The "standard" market is carriers like Travelers, Zurich, Selective and Nationwide. The Surplus Lines is carries like Coloy, National LIability and Fire. When your have a Surplus Lines policy you need to be extra caucus since they generally are more restrict in their coverage, more exclusions. Garagekeepers provides Comprehensive and Collision coverage for those vehicles in your care, custody and control.. For a pure road service provider your garagekeepers exposure is very minimal, but in the big picture it is relatively inexpensive compared to the other coverages you purchase.

Saferide Motor Club is owned by Brown & Brown Insurance and is part of their dealer services division (F&I products). Saferide provides the infrastructure for private label motor clubs, in a lot of cases for RV dealers. In all likelihood you are already doing work for them under some other sname. My understanding is that the only motor club that handles more calls than Saferide is AAA.