Definitions

The O.E.F. 77 endorsement provides coverage for comprehensive damage to a customer’s vehicle while it is in your care, custody, or control. This includes damage caused by risks like fire, theft, vandalism, weather-related incidents (e.g., hail or flooding), or other non-collision events.

This endorsement is essential for businesses that service customer vehicles, offering peace of mind to both the business and its clients by ensuring protection against unexpected damages.

This endorsement complements your garage auto liability policy and provides an additional layer of security for customer vehicles.

The O.E.F. 75 endorsement provides coverage for theft of customers’ vehicles while they are parked on your premises, including outdoor lots. This endorsement is specifically designed to protect businesses against the financial losses associated with stolen vehicles in their care, custody, or control.

This coverage is especially important for businesses with open lots, as it ensures customers’ vehicles are protected even when stored outside.

The O.E.F. 81 endorsement offers coverage for the personal vehicles of the business owner and employees while they are used in the course of business operations. This includes protection for accidents or damages involving personal vehicles when being used for business purposes, such as moving customer vehicles or running errands for the business.

This endorsement provides peace of mind by extending coverage to the business owner’s and employees’ personal vehicles, ensuring they are protected while performing work-related tasks.