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Parking Perils: Garagekeepers and Gunshot Damage

Most business owners who purchase Garagekeepers Legal Liability insurance are concerned about vandalism or theftbut what happens when the cars in their care are damaged by gunshots?

By Diana B. Reitz, CPCU | Updated on September 07, 2012

Most business owners who purchase Garagekeepers Legal Liability insurance are concerned about cars being stolen or vandalized while parked in their lots or garages. But sometimes there’s a much more serious twist—one involving gunshots and damaged cars. That was the case when one FC&S subscriber described the following unusual (and dangerous) situation.

The agent handles a sports arena with an adjacent parking lot that is fenced and secured with a gate. Some people entered the arena area and started shooting. The parking lot attendant closed the parking lot gate and, as a result, the car owners couldn’t exit the lot. A number of cars were damaged by flying bullets.

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