Storage of boats can create an exposure that is uninsurable with a garage form. Marina operators legal liability is specifically designed to address the exposure of customer boat storage. Coverage for the physical damage to boats while they are at the garage also can be covered by the marina operators legal liability coverage. Boats owned by the garage can be covered by the use of the boat dealer's form. Regardless of the names used for these policies, you will need to be sure a given insurer is providing coverage for premises and operations and products-completed operations.
Coverage is to be provided on premises, in transit and while on water.
Garage insurance does not cover boats. Some garages need coverage for consigned autos. For garage keepers insurance, be sure to show all of the locations used by the account. No protection is provided for the loss of a product. There is no coverage for faulty workmanship.