Can an insured get Garagekeepers Legal Liability (GKLL) and physical damage for an incidental dealer exposure?
Yes, these coverages are required to be written at the option of the insured pursuant to Rule 6 of the CAR Rules of Operation. For service and repair risks endorsed onto a Business Auto Policy, you need to use endorsement CA 99 37 1001 for the GKLL and endorsement MM 20 27 0104 for physical damage – Autos Held for Sale by Non Dealers.
