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?
Pennsylvania Subscriber
The standard general liability coverage protects the insured against third-party liability claims for which the insured becomes legally responsible to pay damages; while the GKLL coverage is basically a bailee's coverage that protects the property of others while in the insured's possession.
In the two scenarios you described, the standard CGL would not cover damage to a customer's auto that occurs during the insured's battery installation, due to the damage to property exclusion l. Damage to Your Work. This exclusion precludes coverage for damage caused by the insured's work product. In the second scenario of the auto's computer board experiencing a malfunction, it would depend upon what caused the malfunction. This could be an issue that would go back to the auto manufacturer. However, if it was due to the insured's work on the auto, there would not be coverage.