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

“Additional Assured—Employees and Others.” An endorsement to the following effect shall be used:
In consideration of the additional premium of this policy is extended to cover the legal liability as defined therein of whose salary is included in the payroll upon which the premium for this policy is based, while any automobile owned by or in charge of the named garage, other than, an automobile owned by said person or by a member of his family, is being operated by the said person (or by any person when accompanied by him or while being operated with his consent) for the purposes described in the policy and for private and pleasure purposes.”

A garage policy issued on the ” Payroll Basis” Members of may be extended at the rates shown on the Rate Families) Sheets in this Manual for “Additional Assured —Employees and Others,” to cover the personal liability of a member of the family of any employee, proprietor or executive officer of the garage. An endorsement to the following effect shall be used:

In consideration of the additional premium of this policy is extended to cover the legal liability as defined therein of while any automobile owned by or in charge of the named garage, other than an automobile owned by the person named below or by a member of his family, is being operated by said named person (or by any person when accompanied by him) for the purposes described in the policy and for private pleasure purposes. It is further understood and agreed that said person named above is a member of the family of who is an. officer, partner, member of the firm, or employee of the assured named in the policy and whose salary is included in the payroll upon which the premium for this policy is based.

Automobiles owned by officers, employees or members of their families, whether or not used in connection with the business of the garage, cannot be included in the additional assured coverage of a garage policy. Such automobiles must be separately insured at full Manual rates. See “Demonstrating or Testing” rule for rates to charge if the car is used for demonstrating or testing purposes.

Note: Premiums for additional assured coverage are not subject to modification by merit or experience rating.


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