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Garage Operations, Valet Parking, Storage Facilities and Similar Auto Risks - Vital Coverage Considerations

Total Credits: 3 including 3 CE Credit

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Commercial Lines |  Commercial Lines - Specialty Policies
Samuel T Bennett, CIC, AFIS, CRIS, CPIA
3 Hours
Access for 90 day(s) after purchase.

Audience: P&C CE


Businesses whose operations require that they take customers’ autos into their care, custody or control have unique exposures. Their legal liability associated with bodily injury and/or property damage to a third party while in possession of these non-owned autos presents substantial risk. Also, it is reasonable for the customer to expect their vehicle to be returned to them in no worse condition than when they left it and that any requested work be done properly.

Whether your client offers true garage services such as maintenance or repair of customer autos, simple customer convenience operations like valet services and parking garage operations or other services such as full-service carwash and/or detailing services, Commercial General Liability forms have limitations and outright exclusions that force the insurance professional to identify, analyze, control, finance and administer an effective risk management plan.

This presentation will concentrate on using the ISO Commercial General Liability Coverage Form, the Business Auto Coverage Form, and several important endorsements to manage the uncertainty associated with these operations.

Basic Course Information

Learning Objectives
  • Introduction of the concept of legal liability and how it affects garage operations
  • Overview of the types of businesses that have auto care, custody or control exposures
  • Overview of typical care, custody or control exposures when dealing with autos owned by others
  • Using risk management concepts to assess garage exposures
  • Introduction of risk finance strategies with emphasis on ISO liability and property coverage forms

Major Subjects
  • Commercial General Liability Coverage Form (CG 00 01 04 13) and garage operation risks
  • The Business Auto Coverage Form (CA 00 01 11 20) and garage operation risks
  • Overview of Garagekeepers Coverage endorsement (CA 99 37 10 13)

Course Materials


Samuel T Bennett, CIC, AFIS, CRIS, CPIA's Profile

Samuel T Bennett, CIC, AFIS, CRIS, CPIA Related seminars and products

Sam Bennett is an active retail producer, presenter, and shareholder in Harrison Agency, Inc. of Columbia, MO. He began his insurance career in 1987 and has been an Independent Insurance Agent from the beginning. He has worked with individuals, families, and small businesses his entire career. In this capacity, he has worked in the personal lines, commercial lines, agribusiness and life and health marketplaces. As a result of working with many types of clients, many carriers, and many coverage needs, Sam has grown to understand and appreciate the important ways an insurance professional must work with markets and clients in today’s insurance world.

Sam obtained his Certified Insurance Counselor (CIC) designation in 1996. He has taught coursework for the National Alliance in their CISR program since 2000, has presented in their CIC program since 2004, and in 2009 became a National Faculty Member of the Society of CIC. Sam is also a speaker in IRMI’s Agribusiness and Farm Insurance Specialist (AFIS) program and is a speaker in the AIMS Society’s Certified Professional Insurance Agent (CPIA) program. He has been called upon to offer insurance education in conferences and symposiums across the country over the past twenty plus years.

As much as he enjoys speaking on insurance topics, Sam’s true passion is cooking. BBQ and soul food are his specialties. He likes nothing more than a lively pulled pork/crawfish/catfish/collard green discussion.


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