We have an insured who sells car batteries, and when needed he will occasionally install the batteries for the customer. We wrote the store under a commercial package with GL class for auto parts store / auto repair or service shops, which includes battery replacement. I also requested a GKLL.

I discussed the operations with the underwriter and we added a commercial auto with symbols 8 and 9 with the GKLL.

Now I'm wondering if the GKLL is needed. Most customers buy a battery and leave, as they install it themselves. If the insured does install, the procedure takes a few minutes and as such I don't think comprehensive and collision coverage from the GKLL would be needed. Would the GL protect the owner if he dropped a battery on the car hood or if computer boards in the car were shorted out during the installation of the battery, or would a garage liability policy be needed in addition to the GL?