Who does the Garage Coverage form insure?

The Garage Coverage form is specifically designed to provide insurance coverage for businesses engaged in the sale, repair, and servicing of vehicles. This includes auto dealers, service stations, and auto repair shops. These entities often handle a variety of vehicles and take on specific risks associated with both the premises and the vehicles themselves, such as physical damage, liability for accidents, and theft.

The coverage is tailored to protect against liabilities that can arise in a garage or automotive business environment, which are not covered under standard personal auto insurance. This may include coverage for vehicles that are parked at the business, those owned by customers, and damages that might occur while servicing or test-driving vehicles.

Other options provided, such as private vehicle owners, rental car agencies, and insurance adjusters, do not align with the specific coverage tailored for garage operations. Each of these groups has different insurance needs that are typically met by personal auto policies or specialized insurance products, rather than a Garage Coverage form.