Fire Legal Liability Coverage–Garages

Broadened Coverage–Garages

Individual Named Insured–Dealers Only

Split Liability Limits–Garages

 Garage Locations and Operations Medical Payments Coverage, CA 25 05 03 06

 This endorsement offers coverage for medical expenses of persons other than any insured if they are injured while on the insured premises or in the course of the insured garage operations. Injuries from the maintenance or use of any automobile are excluded. (Auto medical payments can be endorsed onto the garage policy by means of a general endorsement available to all commercial auto programs—see Auto Medical Payments Insurance.

 Personal Injury Liability—Garages, CA 25 08 03 10

 Personal injury liability coverage may be included under the garage form. The coverages offered through endorsement CA 25 08 are similar to what is offered under section B of the CGL form; this includes the exclusions and definitions The insurer, through this endorsement, promises to pay all sums that the insured legally must pay as damages because of personal injury caused by an offense committed in the conduct of the named insured's business and committed in the coverage territory during the policy period. Personal injury is a defined term, referring to false arrest, malicious prosecution, slander, and so on, and including consequential bodily injury.

 The endorsement does not include personal injury's common companion, advertising injury. Both coverages are available in the broadened coverages endorsement described below (CA 25 14).

 The each accident limit of insurance for garage operations, other than covered auto does not apply to damages paid because of personal injury. However, the limit of insurance provision shows that any amount paid is subject to the aggregate limit for other than auto losses.

 Fire Legal Liability Coverage–Garages, CA 25 10 03 10

 The name of this endorsement has been changed in the March 2010 revision of the commercial auto program. CA 25 10 is now entitled “Damage to Rented Premises Liability Coverage–Garages”. The standard garage policy's property damage liability provisions exclude any property that is rented or occupied by the insured. This endorsement revises that by extending legal liability coverage for fire damage to premises (not including contents) while rented to or temporarily occupied by the named insured with the permission of the owner. CA 25 10 also extends coverage for liability for property damage caused by other than fire to premises (including the contents of such premises) rented to the named insured for a period of seven or fewer consecutive days. Each premises must be specifically described on CA 25 10, and the limit of insurance per premises is $100,000 unless another limit is shown in the endorsement's schedule. The limit of insurance is subject to the aggregate limit for other than auto losses. The insurance offered by this endorsement is excess over any collectible property insurance available to the insured.

 Broadened Coverage–Garages, CA 25 14 03 10

 For many years, commercial insureds were offered a convenient way to broaden liability protection by way of one of various broad form endorsements—indivisible packages of coverage for other exposures added to the basic contract. However, garage insureds were not offered the same convenience. They could purchase the same added coverages, but, following ISO procedures, only by means of separate policies at greater expense. This endorsement brings the packaging convenience to garage insureds, but only for the garage operations of the insured (other than the ownership, maintenance, or use of the covered autos).

 The added coverages are personal and advertising injury liability insurance, host liquor liability, damage to rented premises liability coverage, incidental medical malpractice, nonowned watercraft liability insurance, additional persons insured (the spouse of an insured partner), limited worldwide liability coverage, and automatic liability coverage for newly acquired garage businesses. These coverages are similar to those offered by the broad form endorsement to the 1973 comprehensive general liability policy.

 Individual Named Insured–Dealers Only, CA 99 18 12 93

 This endorsement changes the garage coverage form in the following manner: the words “you” and “your” include the spouse of the named insured if a resident of the same household. This is true except for notice of cancellation.

 Split Liability Limits–Garages, CA 99 38 01 87

 Under the liability section of the garage policy, bodily injury and property damage coverage is expressed as a single limit. Split liability limits can be provided using this endorsement. Its standard format shows separate limits under bodily injury for each person and each accident and a property damage limit for each accident. For clarification, the endorsement restates the policy's $100 deductible applicable to property damage to an auto as a result of work performed by the insured.