HELP - Hey all — need some real-world carrier direction on a garage risk in Colorado. Client is an auto repair shop (no sales). They perform repairs, test drive vehicles on a frontage road/freeway after repairs. Employees are driving customer vehicles (non-owned autos). Here's the issue: GL = auto exclusion (no help) Garage keepers = only covers the customer's car, not liability to others Progressive + GEICO = both declined for this exposure. So right now, we've got a clear gap...
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