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). GL has auto exclusion (no help). Garage keepers only covers the customer's car, not liability to others. Progressive and GEICO both declined for this exposure. So right now, we've got a clear gap.
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