FC&S Hits Mark On Garage Cover
To The Editor:
David Thamann's "FC&S On Lines" column on page 32 of your Feb. 10 edition ("CGL Or Garage Form For Garage Owners?") was a good article on the differences and similarities of the CGL and garage policy form.
I had a problem years ago involving a claim for property in the care, custody and control being excluded in the garage policy. The garage-keepers legal liability policy was required to cover this exposure. (This apparently is the main difference in these policies.)
So, when the mechanic burns up the vehicle due to an engine fire, the "work performed by the named insured" exclusion doesn't apply to the total loss of the vehicle–only to the part that he was working on at the time of the fire.
That vehicle and all the other vehicles in the garage are then covered under the garage-keepers legal liability policy.
Don't get caught without it.
Wesley C. Anderson, CPCU, AIC
Syracuse, N.Y.
Reproduced from National Underwriter Edition, February 24, 2003. Copyright 2003 by The National Underwriter Company in the serial publication. All rights reserved. Copyright in this article as an independent work may be held by the author.
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