Public Liability and Property Damage Coverage

So-called “service” cars (whether of the Cars and private passenger or commercial type) used by Towing Automobile Sales Agencies, Public Garages, Repair Shops (if not already covered by a garage policy) and by Automobile Service Stations and Tire Dealers for first aid to disabled automobiles or for towing same, shall be written at the premiums for “light” Class 3 commercial automobiles. Omnibus coverage may be granted in connection with service cars except when insured under garage payroll policies.

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Garage Liability Insurance

The additional charge for this extended coverage shall be equal to 10% of the total premium for the garage policy subject to a minimum premium equal to 50% of the minimum premium for the garage policy.
If the personal liability of all employees is not covered in the manner described above and if one or more individual employees (not proprietors nor executives) desire personal protection, the garage “payroll basis” policy may be extended to give the coverage at the rates shown on the Rate Sheets in the Manual for
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Garage Policy and Insurance

The following provisions apply unrestricted to additional Assured Coverage extended under policies issued Automobile Dealers or Automobile Repair Shops. Additional Assured Coverage may be issued in connection with policies covering Storage Garages, Tire Dealers or Battery Service » Stations, on the underwriting bases and at the rates referred to in this rule provided the coverage is definitely restricted to conform with the coverage available under the policy covering the Storage Garage, Tire Dealer or Battery Service Station.
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Collision insurance for “drive-away” automobiles

Collision insurance for “drive-away” automobiles shall be written at the regular Manual rates for “drive-aways” (see collision rates for Garages, Automobile Dealers and Manufacturers); subject to the minimum premiums per automobile per trip as shown in the Miscellaneous Rate Section. Check out more tips on our blog.
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Insurance for cars owned by the factory

The personal liability of officers and employees for the operation of automobiles owned by the factory, or owned by persons other than officers and employees or members of their families and left in charge of the factory, may be covered in accordance with the premiums provided in the Rate Sheets for “Additional Assured—Employees and Others” in connection with insurance for garages. Uninsured motorists.

Automobiles owned by officers, employees and others shall not be included in the policy covering the factory. Such automobiles must be separately insured at full Manual rates.
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Operation of Private Type and Commercial Automobiles in the business

All automobiles (other than those used for testing) owned or hired by the assured and operated in connection with the business of manufacturing automobiles shall be written in the regular manner; that is, on the Specified Car Basis or under the Five or More Car Rule or under the Hired Car Rule in accordance with Manual rules and rates subject to experience rating modification (if any). Find liability coverage online.
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Where to find cheap garage insurance coverage

Automobiles in charge of the assured that are being brought from, or part way from, the factory or other distributing point (commonly known as driveways) to be delivered to the purchaser or to be kept in storage for him shall be specifically excluded. Repairs are to be made at actual cost of labor if made by the assured. Find more tips on our auto insurance blog.
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How to Find Cheap Garage Liability Insurance

Note: Insurance for damage to property of others regularly left in charge of a public garage or automobile dealer may be secured in accordance with the rule governing “Damage to Property in Charge of the Assured. Continue reading on our auto insurance blog.
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How to find private passenger type automobiles policies

Where private passenger type automobiles are insured on either the “named driver” or elude the livery or renting use of the automobiles, apply rates and definitions as stated in the Public Automobile Section.
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Liability Insurance and Employers’ Liability

Coverage shall not be extended to provide defense to the assured or his chauffeur or other employee on account of arrest. Coverage includes legal expenses incurred with the consent of the Company and expense for immediate surgical relief imperative at the time of the accident.

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