Which form is used to insure businesses engaged in selling, servicing, repairing, parking or storing autos?

• A. Garage Coverage Form
• B. Truckers Coverage Form
• C. Business Auto Coverage Form
• D. Personal Auto Policy

Answer: (A)

When a business handles vehicles in its day-to-day operations—selling, servicing, repairing, parking, or storing autos—the policy that fits best is the Garage Coverage Form. This form is designed for operations where the business has autos in its care, custody, or control, including customers’ vehicles being serviced or stored on the premises. It provides liability coverage for the garage’s operations and typically includes Garagekeepers coverage, which protects customer vehicles while they’re in the shop or under the business’s responsibility.

Other forms serve different needs: the Business Auto Coverage Form is for the business’s own or hired autos used in its operations; the Personal Auto Policy is for individuals’ private vehicles; the Truckers Coverage Form is for trucking or motor-carrier operations. For a business that sells, services, parks, or stores autos, the Garage Coverage Form is the appropriate choice.